# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-25-017119
**Filing Date:** 2025-11
**Character Count:** 4467489
**Document Hash:** ec7780094a4313c61e79106d79a82d7e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-017119.hdr.sgml**: 20251106

**ACCESSION NUMBER**: 0001999371-25-017119

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20251106

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

**FILED AS OF DATE**: 20251106

**DATE AS OF CHANGE**: 20251106

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01951
- **FILM NUMBER:** 251458407

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

OMB Number: 3235-0675

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**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>MORGAN STANLEY CAPITAL I INC.</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> 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 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>0001547361</u>

MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQM9

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Chris Scott, (212) 761-4940

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

**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.

**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.

---

| | | |
|:---|:---|:---|
|  | **MORGAN STANLEY CAPITAL I INC.** | **MORGAN STANLEY CAPITAL I INC.** |
| Date: November 6, 2025 | By: | /s/ Chris Scott |
|  | Name: | Chris Scott |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex99-1.htm) [Third Party Due Diligence Report - Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures](ex99-1.htm)

[99.2](ex99-2.htm) [Third Party Due Diligence Report - AMC Diligence, LLC Executive Summary](ex99-2.htm)

[Schedule 1 – Exception Grades Report](ex99-2s1.htm)

[Schedule 2 – Rating Agency Grades Report](ex99-2s2.htm)

[Schedule 3 – Data Compare Report](ex99-2s3.htm)

[Schedule 4 – Valuation Summary Report](ex99-2s4.htm)

[Schedule 5 – Supplemental Report](ex99-2s5.htm)

[99.3](ex99-3.htm) [Third Party Due Diligence Report – Clarifii LLC Due Diligence Narrative Report](ex99-3.htm)

[Schedule 1 – Rating Agency Grades Detail Report](ex99-3s1.htm)

[Schedule 2 – Rating Agency Grades Summary Report](ex99-3s2.htm)

[Schedule 3 – Data Compare Report](ex99-3s3.htm)

[Schedule 4 – ATR QM Report](ex99-3s4.htm)

[Schedule 5 – Valuation Report](ex99-3s5.htm)

[99.4](ex99-4.htm) [Third Party Due Diligence Report – Clayton Services LLC Due Diligence Narrative Report](ex99-4.htm)

[Schedule 1 – Non ATR QM Upload Report](ex99-4s1.htm)

[Schedule 2 – Conditions Report](ex99-4s2.htm)

[Schedule 3 – Loan Level Tape Compare Report](ex99-4s3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ex99-4s4.htm)

[Schedule 5 – Valuation Summary Report](ex99-4s5.htm)

[Schedule 6 – Waived Conditions Report](ex99-4s6.htm)

[99.5](ex99-5.htm) [Third Party Due Diligence Report – Consolidated Analytics, Inc. Executive Summary](ex99-5.htm)

[Schedule 1 – Due Diligence Standard Report](ex99-5s1.htm)

[Schedule 2 – Rating Agency Grades Summary Report](ex99-5s2.htm)

[Schedule 3 – Valuations Summary Report](ex99-5s3.htm)

[Schedule 4 – Data Compare Report](ex99-5s4.htm)

[99.6](ex99-6.htm) [Third Party Due Diligence Report – Digital Risk Narrative](ex99-6.htm)

[Schedule 1 – Data Integrity Report](ex99-6s1.htm)

[Schedule 2 – Rebuttal Findings Report](ex99-6s2.htm)

[Schedule 3 – Rating Agency Grades Report](ex99-6s3.htm)

[Schedule 4 – Valuation Report](ex99-6s4.htm)

[99.7](ex99-7.htm) [Third Party Due Diligence Report – Selene Diligence LLC Due Diligence Narrative Report](ex99-7.htm)

[Schedule 1 – Rating Agency Grades Summary Report](ex99-7s1.htm)

[Schedule 2 – Valuation Report](ex99-7s2.htm)

[Schedule 3 – Data Compare Report](ex99-7s3.htm)

[Schedule 4 – Standard Findings Report](ex99-7s4.htm)

[Schedule 5 – Supplemental Data Extract Report](ex99-7s5.htm)

## Exhibit 99.1

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.1**

![](ex991-01.jpg)

**Report of Independent Accountants on Applying Agreed-Upon Procedures**

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor") 6 November 2025

Morgan Stanley Capital I Inc. (the "Depositor")

Morgan Stanley & Co. LLC (the "Initial Purchaser")

1585 Broadway, 24<sup>th</sup> Floor

New York, New York 10036

**Re: Morgan Stanley Residential Mortgage Loan Trust 2025-NQM9 (the "Issuing Entity")**

**Mortgage Pass-Through Certificates, Series 2025-NQM9 (the "Certificates")**

**Sample Mortgage Loan Agreed-Upon Procedures**

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Sponsor, Depositor and Initial Purchaser (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of mortgage loans (the "Mortgage Loans") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Initial Purchaser, on behalf of the Depositor, provided us with:

a. Electronic
 data files (collectively, the "Provided Data Files"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled
 "MSRM 2025-NQM9 - Prelim Population.xlsx" (the "Loan Listing Data File"),
 that the Initial Purchaser, on behalf of the Depositor, indicated contains a list of identification
 numbers (each, an "Investor Loan ID") relating to certain mortgage loans (the "Base
 Preliminary Mortgage Loans") that are expected to be representative of the Mortgage
 Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "MSRM
 2025-NQM9_Rating_Agency_EY.xlsx" and the corresponding record layout and decode information,
 as applicable (the "Preliminary Data File"), that the Initial Purchaser,
 on behalf of the Depositor, indicated contains information as of 1 November 2025
 (the "Cut-off Date") relating to certain mortgage loans (the "Preliminary
 Mortgage Loans"), that are expected to be representative of the Mortgage Loans,

---

| | |
|:---|:---|
| ![](ex991-02.jpg) | Page 2 of 3 |

---

b. Imaged
 copies of the following items (collectively, the "Source Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Promissory
 note (the "Note"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Credit
 report (the "Credit Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan
 application, occupancy affidavit, warranty deed and/or commercial loan application (collectively
 and as applicable, the "Application"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Underwriting
 summary, summary of findings, loan product advisor feedback certificate and/or conditional
 underwriting approval (collectively and as applicable, the "Underwriting Summary"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Appraisal
 report (the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Fraud
 report (the "Fraud Report")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Contract
 for the sale and purchase of real estate, assignment of purchase contract interest and/or
 sale escrow instructions (collectively and as applicable, the "Sale Contract")
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Settlement
 statement or closing disclosure (collectively and as applicable, the "Settlement
 Statement")

that the Initial Purchaser, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

c. The list of relevant
 characteristics (the "Sample Characteristics") on the Preliminary Data File,
 which is shown on Exhibit 1 to Attachment A, and

d. Instructions,
 assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Provided Data Files, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Loan Listing Data File, Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Initial Purchaser, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Base Preliminary Mortgage Loans, Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Initial Purchaser, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

---

| | |
|:---|:---|
| ![](ex991-02.jpg) | Page 3 of 3 |

---

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying
 any criteria for due diligence published by a nationally recognized statistical rating organization
 (a "rating agency") or

b. Making
 any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether
 the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting
 or credit extension guidelines, standards, criteria, or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 value of the collateral securing the Mortgage Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether
 the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations
 or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any
 other factor or characteristic of the Mortgage Loans that would be material to the likelihood
 that the issuer of the Certificates will pay interest and principal in accordance with applicable
 terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

6 November 2025

---

| | |
|:---|:---|
| ![](ex991-02.jpg) | **Attachment A** |

---

**<u>Procedures performed and our associated findings</u>**

1. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we randomly selected a sample
 of 254 Base Preliminary Mortgage Loans from the Loan Listing Data File (the "Sample
 Mortgage Loans"). For the purpose of this procedure, the Initial Purchaser, on behalf
 of the Depositor, did not inform us as to the basis for how they determined the number of
 Sample Mortgage Loans or the methodology they instructed us to use to select the Sample Mortgage
 Loans from the Loan Listing Data File.

For the purpose of the procedures described in this report, the 254 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 254.

2. For
 each mortgage loan on the Loan Listing Data File and Preliminary Data File, we compared the
 Investor Loan ID, as shown on the Loan Listing Data File, to the corresponding Investor Loan
 ID, as shown on the Preliminary Data File, and noted that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All of the Preliminary
 Mortgage Loans were included on both the Preliminary Data File and Loan Listing Data File
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Two of the Base
 Preliminary Mortgage Loans included on the Loan Listing Data File were not included on the
 Preliminary Data File, neither of which were Sample Mortgage Loans.

3. For
 each Sample Mortgage Loan, we compared the Sample Characteristics listed on Exhibit 1
 to Attachment A, as shown on the Preliminary Data File, to the corresponding information
 located in, or to the corresponding information we recalculated using information located
 in, the Source Documents or Preliminary Data File, as applicable, subject to the instructions,
 assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor,
 described in the notes to Exhibit 1 to Attachment A. The Source Document(s) that
 we were instructed by the Initial Purchaser, on behalf of the Depositor, to use for each
 Sample Characteristic are shown on Exhibit 1 to Attachment A. Except for the information
 shown on Exhibit 2 to Attachment A, all such compared information was found to be in
 agreement.

**Exhibit 1 to Attachment A**<br> Page 1 of 7

**<u>Sample Characteristics and Source Documents</u>**

---

| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary<br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Loan number | Investor Loan ID | Note |
| Original principal balance | Original Loan Amount | Note |
| Original interest rate | Original Interest Rate | Note |
| First payment date | First Payment Date of Loan | Note |
| Maturity date | Maturity Date | Note |
| Property state | State | Note |
| Property zip code | Postal Code | Note |
| Original term | Original Term to Maturity | (a) Note or<br> (b) Note and recalculation |
| Original interest only term | Original Interest Only Term | (a) Note or<br> (b) Note and recalculation |
| Prepayment charge term | Prepayment Penalty Total Term | Note |
| Occupancy status | Occupancy | Application or Underwriting Summary |
| Appraisal value | Original Appraised Property Value | (a) Appraisal or<br> (b) Appraisal and recalculation |
| Property type | Property Type | Appraisal or Underwriting Summary |
| Sale price | Sales Price | Sale Contract or Settlement Statement |
| Loan purpose | Loan Purpose | Application, Fraud Report, Credit Report or recalculation |
| Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application, Settlement Statement or Credit Report |
| Index description | Index Type | Note |
| Gross margin | Gross Margin | Note |

---

**Exhibit 1 to Attachment A**<br> Page 2 of 7

---

| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary<br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Initial fixed rate period | Initial Fixed Rate Period | (a) Note or<br> (b) Note and recalculation |
| Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | Note |
| Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a) Note or<br> (b) Note and recalculation |
| Initial interest rate cap change down | Initial Interest Rate Cap Change Down | Note and recalculation |
| Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note |
| Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note |
| Maximum interest rate | Lifetime Maximum Rate Ceiling | Note |
| Minimum interest rate | Lifetime Minimum Rate Floor | Note or Settlement Statement |
| Original loan-to-value ratio | Original LTV | Recalculation |
| Combined loan-to-value ratio | Original CLTV | Recalculation |

---

**Exhibit 1 to Attachment A**<br> Page 3 of 7

**<u>Notes</u>:**

i. The
 loan number Sample Characteristic is for identification purposes only.

ii. For
 the purpose of comparing the original term Sample Characteristic for any Sample Mortgage
 Loan that does not have the original term specifically stated in the Note, the Initial Purchaser,
 on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the maturity date and first payment date, both as shown in the
 Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iii. For
 the purpose of comparing the original interest only term Sample Characteristic for any Sample
 Mortgage Loan that does not have the original interest only term specifically stated in the
 Note, the Initial Purchaser, on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the interest only end date and first payment date, both as shown
 in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iv. For
 the purpose of comparing any Sample Characteristic listing the Application as a Source Document
 for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor,
 provided more than one Application, the Initial Purchaser, on behalf of the Depositor, instructed
 us to use the most recent Application as the Source Document.

v. For
 the purpose of comparing the occupancy status Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the occupancy
 status Sample Characteristic.

vi. For
 the purpose of comparing any Sample Characteristic listing the Appraisal as a Source Document
 for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor,
 provided more than one Appraisal (except for Sample Mortgage Loan Number 67), the Initial
 Purchaser, on behalf of the Depositor, instructed us to use the Appraisal with the lowest
 appraisal value as the Source Document.

For the purpose of comparing the appraisal value Sample Characteristic for Sample Mortgage Loan Number 67, the Initial Purchaser, on behalf of the Depositor, instructed us to use the Appraisal with the earliest appraisal date as the Source Document.

vii. For
 the purpose of comparing the appraisal value Sample Characteristic for any Sample Mortgage
 Loan for which the Initial Purchaser, on behalf of the Depositor, provided an Appraisal for
 each mortgaged property relating to such Sample Mortgage Loan, the Initial Purchaser, on
 behalf of the Depositor, instructed us to use the sum of the appraisal values for the related
 mortgaged properties, as shown in the corresponding Appraisals.

**Exhibit 1 to Attachment A**<br> Page 4 of 7

**<u>Notes</u>:** (continued)

viii. For
 the purpose of comparing the property type Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the property
 type Sample Characteristic.

For the purpose of comparing the property type Sample Characteristic, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Townhouse"
 if the design (style) is "Twnhse," "Townhouse," "TownHm"
 or "TownHome,"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Townhouse"
 if the type is "S-Det./End Unit" and the Appraisal indicates that HOA dues are
 required or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) "1 Family
 Attached" if the type is "S-Det./End Unit" and the design (style) is "Row,"
 "Duplex," "Semi-Det," "COL," "Semi" or "Twin,"

as shown in the applicable Source Document.

ix. For
 the purpose of comparing any Sample Characteristic listing the Settlement Statement as a
 Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of
 the Depositor, provided more than one Settlement Statement, the Initial Purchaser, on behalf
 of the Depositor, instructed us to use the most recent Settlement Statement as the Source
 Document.

x. For
 the purpose of comparing the sale price Sample Characteristic, the Initial Purchaser, on
 behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the sale price
 Sample Characteristic.

**Exhibit 1 to Attachment A**<br> Page 5 of 7

**<u>Notes</u>:** (continued)

xi. For
 the purpose of comparing the loan purpose Sample Characteristic for any Sample Mortgage Loan
 with a loan purpose of "First Time Home Purchase" or "Other-than-first-time
 Home Purchase," as shown on the Preliminary Data File (each, a "Purchase
 Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to note agreement if the value on the Preliminary Data File agreed with the corresponding
 information in at least one of the Source Documents listed for such Sample Characteristic.
 We performed no procedures to reconcile any differences that may exist relating to the information
 in the Source Documents relating to the loan purpose Sample Characteristic for any Purchase
 Sample Mortgage Loan.

For any remaining Sample Mortgage Loan (except for Sample Mortgage Loan Number 77) (each, a "Refinanced Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Sum
 of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Unpaid
 principal balance of any previous mortgage loan that is being refinanced, as shown in the
 Settlement Statement, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Total
 closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement
 Statement.

For Sample Mortgage Loan Number 77, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of "Other" if the loan purpose is "98," as shown on the Preliminary Data File.

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Number 32), the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Refinance
 – Cash Out" if the Amount to Borrower is greater than the lesser of (i) $2,000
 and (ii) 1% of the original principal balance, as shown in the Note, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Refinance
 – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

For Sample Mortgage Loan Number 32, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of "Refinance – Rate Term" if the Amount to Borrower is less than the lesser of (i) $5,000 and (ii) 5% of the original principal balance, as shown in the Note.

xii. For
 the purpose of comparing the junior lien balance Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the junior
 lien balance Sample Characteristic.

**Exhibit 1 to Attachment A**<br> Page 6 of 7

**<u>Notes</u>:** (continued)

xiii. The
 Initial Purchaser, on behalf of the Depositor, instructed us not to perform any procedures
 with respect to the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Index
 description,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Gross
 margin,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial
 fixed rate period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Subsequent
 interest rate reset period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Initial
 interest rate cap change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) Initial
 interest rate cap change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Subsequent
 interest rate change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Subsequent
 interest rate change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Maximum
 interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) Minimum
 interest rate

Sample Characteristics for any Sample Mortgage Loan with a gross margin value of "0.000(%)" or , as shown on the Preliminary Data File.

xiv. For
 the purpose of comparing the initial fixed rate period Sample Characteristic for any Sample
 Mortgage Loan with a gross margin value greater than "0.000(%)," as shown in
 the Note (each, an "ARM Sample Mortgage Loan"), that does not have the initial
 fixed rate period specifically stated in the Note, the Initial Purchaser, on behalf of the
 Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the first rate change date and first payment date, both as shown
 in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

xv. For
 the purpose of comparing the initial interest rate cap change up Sample Characteristic for
 any ARM Sample Mortgage Loan that does not have the initial interest rate cap change up specifically
 stated in the Note, the Initial Purchaser, on behalf of the Depositor, instructed us to use
 the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Initial
 rate adjustment maximum interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Original
 interest rate,

both as shown in the Note.

xvi. For
 the purpose of comparing the initial interest rate cap change down Sample Characteristic
 for any ARM Sample Mortgage Loan that does not have the initial interest rate cap change
 down specifically stated in the Note, the Initial Purchaser, on behalf of the Depositor,
 instructed us to use the maximum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference between 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;(1) Original
 interest rate 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;(2) Initial
 rate adjustment minimum interest rate,

both as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 0.000(%).

**Exhibit 1 to Attachment A**<br> Page 7 of 7

**<u>Notes</u>:** (continued)

xvii. For
 the purpose of comparing the minimum interest rate Sample Characteristic for any ARM Sample
 Mortgage Loan that does not have the minimum interest rate specifically stated in the Note
 or Settlement Statement, the Initial Purchaser, on behalf of the Depositor, instructed us
 to use the gross margin, as shown in the Note, as the minimum interest rate.

xviii. The
 Initial Purchaser, on behalf of the Depositor, instructed us to calculate the "Value
 for LTV" as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) For
 any Purchase Sample Mortgage Loan (except for Sample Mortgage Loan Number 116), the lesser
 of the (1) appraisal value, as shown in the Appraisal, and (2) sale price, as shown in the
 Sale Contract or Settlement Statement,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) For
 any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 67, 123, 168
 and 191), the appraisal value, as shown in the Appraisal,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) For
 Sample Mortgage Loan Number 77, the value used for LTV, as shown on the Preliminary Data
 File,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) For
 Sample Mortgage Loan Number 67, the lowest appraisal value, as shown in the Appraisal(s),
 or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) For
 Sample Mortgage Loan Numbers 116, 123, 168 and 191, the value used for LTV, as shown on the
 Preliminary Data File.

xix. For
 the purpose of comparing the original loan-to-value ratio Sample Characteristic, the Initial
 Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the
 fourth decimal place (X.XXXX)) of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value for LTV, as calculated herein.

xx. For
 the purpose of comparing the combined loan-to-value ratio Sample Characteristic, the Initial
 Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the
 fourth decimal place (X.XXXX)) of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Sum
 of the original principal balance, as shown in the Note, and junior lien balance, as shown
 in the applicable Source Document(s), divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value
 for LTV, as calculated herein.

xxi. For
 the purpose of comparing the original loan-to-value ratio and combined loan-to-value ratio
 Sample Characteristics, the Initial Purchaser, on behalf of the Depositor, instructed us
 to ignore differences of +/- 0.0001 or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor, that are described in the notes above.

**Exhibit 2 to Attachment A**

**<u>Sample Characteristic Differences</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 8 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 10 | Maturity date | 3/10/2055 | 3/1/2055 |
| 34 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 100 | Sale price | [Redacted] | [Redacted] |
| 116 | Sale price | [Redacted] | [Redacted] |
| 165 | Loan purpose | Other-than-first-time Home Purchase | First Time Home Purchase<br>|
| 167 | Loan purpose | Other | Refinance - Cash Out |
| 171 | Property type | 1 Family Attached | Townhouse |
| 210 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.2**

![](ex992001.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 originated by multiple correspondent lenders and acquired from various parties by Morgan Stanley Mortgage Capital Holdings LLC and/or one of its affiliates (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via Reliance Letter. The Review (including the Review related to Reliance Letter loans) was conducted from August 2021 through October 2025 on mortgage loans with origination dates from May 2021 through October 2025. The Review included loans reviewed under the Credit and Compliance Scope (299 mortgage loans) and the Leases Review Scope (143 loans), and the Leases Review Scope with Limited Compliance (111 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scope) are together referred to as the Loans.

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

The Review was conducted on five hundred fifty-three (553) mortgage loans with an aggregate original principal balance of approximately $299.277 million.

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

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

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;City | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower Designation | &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;PITIA Reserves Months |  |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Coborrower Designation | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty |  |

---

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

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

**<u>CREDIT REVIEW (299 Loans)</u>**

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines.

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

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

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

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

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

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

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

**<u>LEASES REVIEW (143 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.

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**<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, 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.

**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 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.

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

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

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

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

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

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

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

**Credit/Valuation/Limited Compliance Investment Occupancy Only (Exempt from ATR)** 

This scope is limited to loans identified with an Occupancy type of Investment which is determined when the documentation provided in the loan file meets the following criteria:

● The consumer signed final 1003 reflects the occupancy as Investment; and

● The consumer's declarations on the final 1003 do not indicate that they intend to occupy the subject property; and

● The appraisal and occupancy certificate (if present in the loan file), do not indicate the consumer occupies or intends to occupy the subject property; and

● At least one of the following:

○ The appraisal indicates the property is tenant occupied; or

○ The file contains a business purpose certificate; or

○ The file contains an occupancy certificate attesting that the property will not be occupied as the consumer's primary residence or as the consumer's second home; or

○ The file includes other documentation evidencing investment occupancy.

Loans that do not meet the above criteria will be transferred to one of the other Scopes for review.

**<u>COMPLIANCE REVIEW (299 Loans)</u>**

Please be advised that AMC will 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 will uncover 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 will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

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

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AMC will review 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) 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.

**(II) State Compliance Review applicable to non-owner occupied loans:**

AMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>High Cost testing in Chicago Illinois and Cook County Illinois;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Higher Priced testing in Connecticut, and Minnesota;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Other applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and Vermont, and</u> 

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>State specific prepayment penalty and late charge testing applicable to non-owner occupied loans.</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

&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;▪ Note;

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&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;▪ Subordination
Agreement;

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

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

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

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

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

&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;▪ 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.

**<u>LEASES & LIMITED COMPLIANCE REVIEW (111 Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State specific prepayment penalty and late charge testing applicable to non-owner occupied loans.

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Kroll Bond Rating Agency, LLC ("Kroll") and S&P Global Ratings ("S&P").

**OVERALL RESULTS SUMMARY** 

There were five hundred fifty-three (553) mortgage loans in the securitization population reviewed by AMC. After all documents were presented under the applicable NRSRO grading criteria, three hundred forty-nine (349) (63.11%) loans had an Overall grade of "A", and two hundred four (204) (36.89%) loans had an Overall loan grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;349 | &nbsp;&nbsp;63.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;204 | &nbsp;&nbsp;36.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**COMPLIANCE RESULTS SUMMARY**

Note the one hundred forty-three (143) Leases (without Limited Compliance) were not assigned a Compliance grade. Of the remaining four hundred ten (410) loans reviewed, under the applicable NRSRO grading criteria, one hundred fifty-three (153) had a Compliance Review "B" grade. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;257 | &nbsp;&nbsp;62.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;153 | &nbsp;&nbsp;37.32% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT RESULTS SUMMARY**

Of the five hundred fifty-three (553) mortgage loans, four hundred seventy (470) loans received an "A" Credit Review grade. The eighty-three (83) "B" Credit Review grades were due to missing documentation and/or guideline adherence. Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;470 | &nbsp;&nbsp;84.99% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;83 | &nbsp;&nbsp;15.01% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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**PROPERTY/VALUATION RESULTS SUMMARY**

Of the five hundred fifty-three (553) loans reviewed under the applicable NRSRO grading criteria, 100.00% of the total received an "A" Property Review grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;553 | &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% |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;102 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***222*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**222** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***98*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**98** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**320** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred fifty-three (553) mortgage loans reviewed, three hundred thirty-six (336) (60.76%) mortgage loans had tape discrepancies across fifty-five (55) unique data fields. The most common tape discrepancies were Property Type, Representative FICO, and Investor: Qualifying Total Debt Ratio. AMC found generally that the DSCR and DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;11 | &nbsp;&nbsp;220 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;233 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;107 | &nbsp;&nbsp;9.35% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;126 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;328 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;384 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;58 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;520 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;40 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;40 | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;319 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;511 | &nbsp;&nbsp;0.39% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;134 | &nbsp;&nbsp;7.46% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;3 | &nbsp;&nbsp;130 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;140 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;140 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;10 | &nbsp;&nbsp;136 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;165 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;553 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;243 | &nbsp;&nbsp;13.58% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;43 | &nbsp;&nbsp;449 | &nbsp;&nbsp;9.58% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;175 | &nbsp;&nbsp;3.43% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;14 | &nbsp;&nbsp;300 | &nbsp;&nbsp;4.67% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;4 | &nbsp;&nbsp;164 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;59 | &nbsp;&nbsp;312 | &nbsp;&nbsp;18.91% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;291 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;224 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;58 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;160 | &nbsp;&nbsp;3.75% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;225 | &nbsp;&nbsp;23.56% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;537 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;25 | &nbsp;&nbsp;417 | &nbsp;&nbsp;6.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;521 | &nbsp;&nbsp;0.77% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;20 | &nbsp;&nbsp;523 | &nbsp;&nbsp;3.82% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;263 | &nbsp;&nbsp;3.42% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;48 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;50 | &nbsp;&nbsp;129 | &nbsp;&nbsp;38.76% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;173 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;447 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;293 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;157 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;4 | &nbsp;&nbsp;423 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;297 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;75 | &nbsp;&nbsp;542 | &nbsp;&nbsp;13.84% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;550 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;17 | &nbsp;&nbsp;230 | &nbsp;&nbsp;7.39% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;68 | &nbsp;&nbsp;523 | &nbsp;&nbsp;13.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;511 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;27 | &nbsp;&nbsp;511 | &nbsp;&nbsp;5.28% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;25 | &nbsp;&nbsp;145 | &nbsp;&nbsp;17.24% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;3 | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.34% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;539 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;553 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**690** | &nbsp;&nbsp;**14825** | &nbsp;&nbsp;**4.65%** | &nbsp;&nbsp;**553** |

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;544 | &nbsp;&nbsp;98.37% | &nbsp;&nbsp;$293710894.00 | &nbsp;&nbsp;98.14% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;$5566260.00 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**553** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$299277154.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;553 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$299277154.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**553** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$299277154.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;198 | &nbsp;&nbsp;35.80% | &nbsp;&nbsp;$86837692.00 | &nbsp;&nbsp;29.02% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.44% | &nbsp;&nbsp;$12142362.00 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;29 | &nbsp;&nbsp;5.24% | &nbsp;&nbsp;$26625303.00 | &nbsp;&nbsp;8.90% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;258 | &nbsp;&nbsp;46.65% | &nbsp;&nbsp;$145944114.00 | &nbsp;&nbsp;48.77% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;49 | &nbsp;&nbsp;8.86% | &nbsp;&nbsp;$27727683.00 | &nbsp;&nbsp;9.26% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**553** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$299277154.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$350000.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;548 | &nbsp;&nbsp;99.10% | &nbsp;&nbsp;$296071941.00 | &nbsp;&nbsp;98.93% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;$2855213.00 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**553** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$299277154.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;288 | &nbsp;&nbsp;52.08% | &nbsp;&nbsp;$159557971.00 | &nbsp;&nbsp;53.31% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;42 | &nbsp;&nbsp;7.59% | &nbsp;&nbsp;$19077345.00 | &nbsp;&nbsp;6.37% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;$7848440.00 | &nbsp;&nbsp;2.62% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;99 | &nbsp;&nbsp;17.90% | &nbsp;&nbsp;$72917361.00 | &nbsp;&nbsp;24.36% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.72% | &nbsp;&nbsp;$611920.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;32 | &nbsp;&nbsp;5.79% | &nbsp;&nbsp;$8514050.00 | &nbsp;&nbsp;2.84% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;39 | &nbsp;&nbsp;7.05% | &nbsp;&nbsp;$13381475.00 | &nbsp;&nbsp;4.47% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.07% | &nbsp;&nbsp;$5502000.00 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.63% | &nbsp;&nbsp;$5775887.00 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.99% | &nbsp;&nbsp;$6090705.00 | &nbsp;&nbsp;2.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**553** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$299277154.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;204 | &nbsp;&nbsp;36.89% | &nbsp;&nbsp;$174630540.00 | &nbsp;&nbsp;58.35% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;334 | &nbsp;&nbsp;60.40% | &nbsp;&nbsp;$114128766.00 | &nbsp;&nbsp;38.13% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.71% | &nbsp;&nbsp;$10517848.00 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**553** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$299277154.00** | &nbsp;&nbsp;**100.00%** |

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18 \| P a g e

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.2 - Schedule 1**

![](situsamc-logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 11/5/2025 8:59:36 AM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redact] | 6074685 | [Redact] |  | 22471223 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on the LE, but was disclosed as $[Redacted] on the final CD. No valid COC was in the file for this change, nor evidence of cure at closing. Provide a post close CD disclosing the tolerance cure of $[Redacted], a copy of the refund check, proof of delivery, and the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-10-11): COC provided as a trailing doc<br>Seller Comment (2021-10-08): The appraisal was accepted at $[Redacted] but the appraiser did increase the appraisal fee to $[Redacted] due to complexity. This was disclosed to the client on [Redacted]. Please refer to attachment [Redacted] for evidence. | 10/11/2021 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 5083122 | [Redact] | [Redact] | 28608167 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. |  |  |  |  |  | Buyer Comment (2023-07-12): Waived on Rate Lock: Collateral cleared by Custodian | 07/12/2023 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 5083122 | [Redact] | [Redact] | 28608168 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2023-07-12): Waived on Rate Lock: Collateral cleared by Custodian | 07/12/2023 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 5083122 | [Redact] | [Redact] | 28697853 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [Redacted] of [Redacted] on Final Closing Disclosure provided on [Redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $[Redacted] on page [Redacted]; however there is no HOA dues Final CD reflects Estimated Taxes, Insurance & Assessments of $[Redacted] monthly, correct amount is $[Redacted] . Provide a post-close CD correcting the Escrow Account section on page [Redacted] and Estimated Taxes, Insurance & Assessments on page [Redacted]; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2023-07-10): [Redacted] received appraisal report which states HOA as $[Redacted] which is also matching with Final CD.<br>Seller Comment (2023-07-07): [Redacted]: Please see the attached page from the appraisal on the subject property. Page [Redacted] lists appraiser comments stating that the property pays $[Redacted]/year in association fees for access to the [Redacted] and for [Redacted] removal, however the property is a single family residence that is NOT located in a PUD. | 07/10/2023 |  |  | 1 B A |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 5083122 | [Redact] | [Redact] | 28697855 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was last disclosed as $[Redacted]. on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. . |  |  |  | Reviewer Comment (2023-07-03): Sufficient Cure Provided At Closing |  | 07/03/2023 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 8064345 | [Redact] | [Redact] | 30491374 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2024-05-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2024-05-10): [Redacted] note tracking | 05/14/2024 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8064345 | [Redact] | [Redact] | 30525317 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | This REO has a mortgage with a balance of $[Redacted] and a payment of $[Redacted], this was excluded on the AUS and not included in the borrower's DTI. There is no documentation in the file as to why this is being excluded. |  |  |  | Reviewer Comment (2024-05-14): Received 12 month bank statement. Exception Cleared.<br>Seller Comment (2024-05-10): We didn't include the payments since the borrowers spouse makes the payments. I have uploaded the 12 mos bank statements that were in the file the payment has an [Redacted] ID for you to find. | 05/14/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8064345 | [Redact] | [Redact] | 30526995 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | [Redacted] has a mortgage with a balance of $[Redacted] and a payment of $[Redacted], this was excluded on the AUS and not included in the borrower's DTI. There is no documentation in the file as to why this is being excluded. If documentation is provided, AUS will need to be re run to update financed properties as [Redacted] as it is currently showing as [Redacted]. |  |  |  | Reviewer Comment (2024-05-17): Received 12 month bank statements showing payment made by other party. | 05/17/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8063238 | [Redact] |  | 30547275 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided<br>Seller Comment (2024-05-24): appraisal | 05/27/2024 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547313 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Copy of appraisal is missing. |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided | 05/27/2024 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547365 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redact] or Final Disclosure APR of [Redact] is equal to or greater than the threshold of APOR [Redact] + [Redacted]%, or [Redact]. Non-Compliant Higher Priced Mortgage Loan. | The spread between the APOR and APR exceeds the maximum allowable tolerance |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided | 05/27/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547366 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided | 05/27/2024 |  |  | 1 B A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547368 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Appraisal is missing. |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided | 05/27/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547369 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal is missing. |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided | 05/27/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547370 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | Appraisal is missing. |  |  |  | Reviewer Comment (2024-05-27): Appraisal provided | 05/27/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8063238 | [Redact] |  | 30547406 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redact] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Loan file contains CD without an issue date. |  |  |  | Reviewer Comment (2024-05-30): [Redacted]received LOA to remove document(s) [Redacted] estimated to be provided on [Redacted], from testing as not provided to the borrower.<br>Seller Comment (2024-05-29): Updated Attestation<br>Reviewer Comment (2024-05-28): Documents [Redacted] contains incomplete CD and has closing date [Redacted]. If the CD were not provided to the borrower, Please provide Letter of Attestation indicating the document ID's [Redacted] were never provided to the borrower and [Redacted] will review for re-testing.<br>Seller Comment (2024-05-24): Attestation | 05/30/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Good Faith Redisclosure D A C | Non QM | Non QM | Yes |
| [Redact] | 8063238 | [Redact] |  | 30547407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redact] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Loan file contains CD without an issue date. |  |  |  | Reviewer Comment (2024-05-28): Received LOA to remove incomplete CD, from testing as not provided to the borrower.<br>Seller Comment (2024-05-24): Attestation | 05/28/2024 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Good Faith Redisclosure D A C | Non QM | Non QM | Yes |
| [Redact] | 8063238 | [Redact] |  | 30634422 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Appraisal provided; however file is missing UCDP verifying a CU score of [Redacted] or less or a secondary valuation, required for securitization purposes. |  |  |  | Reviewer Comment (2024-05-31): Received UCDP. Exception Cleared.<br>Seller Comment (2024-05-29): UCDP - CU Score 1 | 05/31/2024 |  |  | 1 A |  | [Redact] | Primary | Purchase | D A C | Non QM | Non QM | No |
| [Redact] | 8101233 | [Redact] |  | 30745758 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The File was Missing the Secondary Valuation required for Securitization purposes. |  |  |  | Reviewer Comment (2024-06-18): Secondary valuation obtained | 06/18/2024 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 8101233 | [Redact] |  | 30745868 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-06-17): As per policy endorsement, replacement cost included. Exception Cleared.<br>Seller Comment (2024-06-14): full pol w/ [Redacted] (page [Redacted]) upld | 06/17/2024 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9061656 | [Redact] | [Redact] | 32837070 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-07): Waived on Rate Lock: Collateral cleared by Custodian | 04/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9061656 | [Redact] | [Redact] | 33178585 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement not provided. |  |  |  | Reviewer Comment (2025-04-06): Received E-Sign Consent. Exception Cleared.<br>Seller Comment (2025-04-04): econsent | 04/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9061656 | [Redact] | [Redact] | 33178628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [Redact] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as [Redacted] on LE but disclosed as [Redact] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-09): [Redacted] received attestation is sufficient.<br>Seller Comment (2025-04-08): Please see attached | 04/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9061656 | [Redact] | [Redact] | 33185569 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-05-13): Revised Mortgage adding the PUD Rider and proof the revised Mortgage will be recorded was provided<br>Seller Comment (2025-05-13): Please see attached | 05/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9076182 | [Redact] | [Redact] | 32954266 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-04): Waived on Rate Lock: Collateral cleared by Custodian | 04/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9076182 | [Redact] | [Redact] | 33149073 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | HOI policy available in file is for different address |  |  |  | Reviewer Comment (2025-04-03): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-04-02): HOI Binder | 04/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9076182 | [Redact] | [Redact] | 33180321 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI policy does not reflects mortgagee clause. Lender to provide updated policy reflecting "Lender its successors and assigns" |  |  |  | Reviewer Comment (2025-04-22): Updated declarations page provided.<br>Seller Comment (2025-04-22): Borrower had insurance, but cancelled it. This is their new HOI for the subject property. | 04/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9076182 | [Redact] | [Redact] | 33329154 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Updated declarations page provided. There was no rent loss coverage verified and the policy dates are post-close. Provide a copy of declaration page or policy in effect at or prior to closing, with sufficient coverage, rent loss coverage and includes the loss payee information. |  |  |  | Reviewer Comment (2025-05-21): Policy in effect post-close contains rental loss coverage<br>Reviewer Comment (2025-04-28): An additional copy of the binder that was provided initially as a trailing doc was provided. The binder does not verify the loss payee information. The updated declarations page provided on [Redacted] included the loss payee information but was not in effect at closing and did not contain rent loss coverage. A declaration page verifying sufficient coverage, rent loss coverage, loss payee information and is in effect at or prior to closing is required to clear the conditions. We cannot pick and chose which fields to capture from the binder and the declaration page. Condition remains<br>Seller Comment (2025-04-24): Hello, please see attached insurance that was effective at close. | 05/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9076182 | [Redact] | [Redact] | 33329155 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Updated declarations page provided. The policy effective date is post-close. Provide a copy of declaration page or policy in effect at or prior to closing, with sufficient coverage, rent loss coverage and includes the loss payee information. |  |  |  | Reviewer Comment (2025-05-21): Policy in effect at closing provided<br>Seller Comment (2025-05-21): Insurance effective at close.<br>Seller Comment (2025-05-21): Insurance effective at the time of close.<br>Seller Comment (2025-05-21): Insurance effective at the time of closing | 05/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9083327 | [Redact] | [Redact] | 32997620 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-09): Waived on Rate Lock: Collateral cleared by Custodian | 04/09/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9088007 | [Redact] | [Redact] | 33025128 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-04-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-04-09): tracking # [Redacted] | 04/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9090374 | [Redact] | [Redact] | 33036005 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-05-16): Waived on Rate Lock: Collateral cleared by Custodian | 05/16/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9090374 | [Redact] | [Redact] | 33435246 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of [Redacted] plus [Redacted]% or [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9090374 | [Redact] | [Redact] | 33435247 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Verification Fee was last disclosed as [Redacted] on Loan Estimate but disclosed as [Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9097954 | [Redact] | [Redact] | 33077691 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-04): Waived on Rate Lock: Collateral cleared by Custodian | 06/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9097954 | [Redact] | [Redact] | 33558595 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | A private note was paid off on the final CD and proof of the payment history is missing. Per the guidelines, the most recent 12 months' consecutive cancelled checks (front and back) along with a copy of the note must be provided for private mortgages. |  |  |  | Reviewer Comment (2025-07-16): Received verification of mortgage with copy of note. Exception Cleared.<br>Seller Comment (2025-07-15): Note<br>Reviewer Comment (2025-07-15): Copy of the note must be provided for private mortgage. Exception Remains.<br>Seller Comment (2025-07-11): VOM of private mortgage | 07/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9134055 | [Redact] | [Redact] | 33338844 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-04): (Rate Lock) [Redacted] | 06/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9134055 | [Redact] | [Redact] | 33549518 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 06/02/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9134055 | [Redact] | [Redact] | 33549519 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). |  |  |  | Reviewer Comment (2025-06-02): Client elected to waive the condition on the Non-QM 1st lien |  |  | 06/02/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9134055 | [Redact] | [Redact] | 33558783 |  | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | A copy of the disclosure provided to the borrower offering an alternative transaction without a prepayment penalty is missing from the file. |  |  |  | Reviewer Comment (2025-09-15): A post-close CD, and a revised Note and Mortgage provided removing the PPP were provided.<br>Seller Comment (2025-09-12): (Rate Lock) LOX to the borrower. Deed is in the process of being re-recorded<br>Seller Comment (2025-09-12): (Rate Lock) PCCD removing PPP<br>Reviewer Comment (2025-08-14): Revised Note and Mortgage provided removing the PPP. Provide a copy of the letter of explanation to the borrower detailing the removal of the PPP, a post-close CD removing the PPP, and proof the Mortgage will be re-recorded without the PPP. When the sufficient documentation is provided, the condition will be reviewed for a downgrade of the condition to an EV2/B. Condition remains<br>Seller Comment (2025-08-14): (Rate Lock) Corrected SECI and Noted | 09/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9134055 | [Redact] | [Redact] | 33558784 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The appraisal fee increased on the re-disclosed LE and a valid change of circumstance was not provided. Note: loan is fully tested for ATR/TRID due to a consumer purpose identified. The borrower paid off consumer debt on the final CD. |  |  |  | Reviewer Comment (2025-06-19): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-06-18): [Redacted] - Entered comments in [Redacted]. Uploaded LOX, Copy of Refund Check, PCCD & [Redacted] Shipping Label to borrower. Tolerance cure to borrower in the amount of $[Redacted] for increase in Appraisal Fee without a valid COC.<br>Seller Comment (2025-06-18): [Redacted] - Entered comments in [Redacted]. Uploaded LOX, Copy of Refund Check, PCCD & [Redacted] Shipping Label to borrower. Tolerance cure to borrower in the amount of $[Redacted]for increase in Appraisal Fee without a valid COC. |  | 06/19/2025 |  | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9134055 | [Redact] | [Redact] | 34451563 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains a Prepayment Penalty. | A post-close CD, and a revised Note and Mortgage provided removing the PPP were provided. The new condition is set to identify the final CD had a prepayment penalty and the prepayment penalty was removed post-close. The non-material condition can be waived. |  |  |  | Reviewer Comment (2025-09-18): Client elected to waive the condition<br>Reviewer Comment (2025-09-15): Elevated to the client for review |  |  | 09/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [Redact] | 9134550 | [Redact] | [Redact] | 33346880 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-02): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-26): (Rate Lock) [Redacted] | 07/02/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9134550 | [Redact] | [Redact] | 33781489 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing the fraud report for the Member/Authorized Signor. | The qualifying [Redacted] on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | The [Redacted] of [Redacted] is greater than the minimum required [Redacted] of [Redacted].<br>Reserves: [Redacted]; Guideline Requirement: [Redacted] | [Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-07-08): Client elected to waive the condition based on the member in question only signed on behalf of the [Redacted] and was not individually.<br>Reviewer Comment (2025-07-01): Required additional copy of the Fraud report for [Redacted]. Exception Remains.<br>Seller Comment (2025-06-30): (Rate Lock) fraud<br>Reviewer Comment (2025-06-27): An additional copy of the Fraud Report for the borrower. The file is missing a copy of the Fraud Report for the authorized signore ([Redacted]). Condition remains<br>Seller Comment (2025-06-27): (Rate Lock) updated fraud |  |  | 07/08/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9081693 | [Redact] |  | 33347477 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require current lease must be supported with two most recent bank statements showing consecutive rental payment. |  |  |  | Reviewer Comment (2025-04-11): Received bank statement and Bifurcation of Combined Deposits of all renal properties borrower owned which includes subject [Redacted] . Exception Cleared<br>Buyer Comment (2025-04-10): rent | 04/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9081693 | [Redact] |  | 33347478 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Require business purpose certificate with property address, borrower current address signed and dated by borrower/guarantor. |  |  |  | Reviewer Comment (2025-04-11): Received 1st page with Require information on 1st page. 2nd page already with signature already provided in the file. Exception Cleared<br>Buyer Comment (2025-04-10): BPO | 04/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9162898 | [Redact] | [Redact] | 33456159 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-11): Please see [Redacted] Tracking #[Redacted]. Note was delivered on [Redacted].<br>Seller Comment (2025-07-08): [Redacted] | 07/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9167143 | [Redact] | [Redact] | 33476724 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-04): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9167154 | [Redact] | [Redact] | 33481021 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by Custodian | 07/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9167860 | [Redact] | [Redact] | 33481867 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): (Rate Lock) Delivered [Redacted] via [Redacted][Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9167860 | [Redact] | [Redact] | 34143998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. |  |  |  | Reviewer Comment (2025-08-05): PCCD, LOE, and proof of delivery provided in the initial file. |  | 08/05/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| [Redact] | 9167860 | [Redact] | [Redact] | 34143999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed |  |  |  | Reviewer Comment (2025-08-05): PCCD, LOE, and proof of delivery provided in the initial file. |  | 08/05/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [Redact] | 9167860 | [Redact] | [Redact] | 34144000 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. |  |  |  | Reviewer Comment (2025-08-05): PCCD, LOE, and proof of delivery provided in the initial file. |  | 08/05/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| [Redact] | 9167860 | [Redact] | [Redact] | 34144001 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-08-05): PCCD, LOE, and proof of delivery provided in the initial file. |  | 08/05/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [Redact] | 9167860 | [Redact] | [Redact] | 34144003 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-08-05): PCCD, LOE, and proof of delivery provided in the initial file. |  | 08/05/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [Redact] | 9167860 | [Redact] | [Redact] | 34144005 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided within 60 Days of Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 9167860 | [Redact] | [Redact] | 34147309 |  | Credit | Document Error | General | Document Error | Escrow Holdback present and required documentation not in file. |  | Per the seller's CD there was an escrow holdback present. Per the guidelines, documentation verifying the escrow funds have been disbursed are required. |  |  |  | Reviewer Comment (2025-08-12): Received Escrow Holdback Agreement. Exception Cleared.<br>Seller Comment (2025-08-11): (Rate Lock) Escrow Funds Release | 08/12/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9167860 | [Redact] | [Redact] | 34147310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR, DTI not Understated | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5), but the method did not render a DTI that is less than that prescribed under ATR. |  |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9180355 | [Redact] | [Redact] | 33490211 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-30): Waived on Rate Lock: Collateral cleared by Custodian | 06/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9180355 | [Redact] | [Redact] | 33725660 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by [Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide a copy of the insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-28): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-07-25): (Rate Lock) RCE letter | 07/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9180355 | [Redact] | [Redact] | 33726164 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | No housing history in last [Redacted] months | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Liquid reserves of [Redacted] [Redacted] months where [Redacted] is required ([Redacted])<br>LTV [Redacted] where [Redacted] is maximum | Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-06-23): Client elected to waive the condition with the following Compensating Factors:<br> Property management experience dating back to [Redacted]<br> Other REO Equity [Redacted]<br> Credit Depth [Redacted] year mortgage payment history and [Redacted] years trade history<br> LTV [Redacted] where [Redacted] is maximum<br> [Redacted] of [Redacted] where .[Redacted] is minimum<br> Liquid reserves of [Redacted] [Redacted] months where [Redacted]is required ([Redacted]) |  |  | 06/23/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9131280 | [Redact] |  | 33509085 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Reviewer Comment (2025-03-18): No RESPA - Cleared<br>Buyer Comment (2025-03-18): Please clear under new SFA scope. Subject property in [Redacted] | 03/18/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9176102 | [Redact] | [Redact] | 33520950 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9176102 | [Redact] | [Redact] | 34095121 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9176471 | [Redact] | [Redact] | 33523202 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9176471 | [Redact] | [Redact] | 34028108 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/26/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9176471 | [Redact] | [Redact] | 34028279 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9176471 | [Redact] | [Redact] | 34028284 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-29): [Redacted] received COC dated [Redacted]<br>Seller Comment (2025-07-28): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-07-28): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-07-28): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $[Redacted] . Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9176532 | [Redact] | [Redact] | 33524146 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-27): Waived on Rate Lock: Collateral cleared by Custodian | 06/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9176532 | [Redact] | [Redact] | 33716573 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%) |  |  |  | Reviewer Comment (2025-06-23): Client elected to waive the condition on the Non-QM 1st lien |  |  | 06/23/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9176532 | [Redact] | [Redact] | 33716577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-09): [Redacted] received COC dated [Redacted] and as per rebuttal comment.<br>Seller Comment (2025-07-07): [Redacted] [Redacted] At [Redacted] we do not work with borrowers directly. The broker is our client and point of contact for the borrower. The Cofc provided is valid confirmation from the broker that the borrower requested this change.<br>Reviewer Comment (2025-06-26): [Redacted] received rebuttal comment indicates that borrower requested COC change to the compensation plan. But, there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise cure is required to borrower.<br>Seller Comment (2025-06-24): [Redacted] [Redacted]: Please see attached Change of Circumstance forms, rate lock sheets, and corresponding disclosures, borrower requested COC change to the compensation plan in order to reduce the discount points being charged after the product changed and negatively impacted pricing | 07/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9178168 | [Redact] | [Redact] | 33528564 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-19): (Rate Lock) [Redacted] | 08/20/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| [Redact] | 9178168 | [Redact] | [Redact] | 34234300 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | DTI [Redacted]% where [Redacted]% is maximum ([Redacted]%) | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-27): Client elected to waive the condition with the following compensating factors:<br> Mortgage payment history: Mortgage history dates to [Redacted] ([Redacted] years) paid as agreed<br> Equity in primary residence $[Redacted]<br> Job Stability: [Redacted] years in business<br> DTI [Redacted]% where [Redacted]% is maximum ([Redacted]%)<br>Reviewer Comment (2025-08-21): RCE was captured and as a result the insurance is insufficient by $[Redacted]. The RCE was $[Redacted] and [Redacted]% of the RCE value is the required coverage or $[Redacted]. The coverage verified on the declarations page is $[Redacted]. Condition remains<br>Seller Comment (2025-08-21): See page [Redacted]-[Redacted]in [Redacted] for RCE on subject property. Please cancel. |  |  | 08/27/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| [Redact] | 9178168 | [Redact] | [Redact] | 34234307 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| [Redact] | 9178168 | [Redact] | [Redact] | 34237099 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The initial and final 1003 declarations section identified the borrower would occupy the subject as a primary residence. Provide a revised 1003 correcting the declarations section. |  |  |  | Reviewer Comment (2025-08-21): Revised 1003 provided<br>Seller Comment (2025-08-21): See attached updated 1003. Please cancel. | 08/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| [Redact] | 9178168 | [Redact] | [Redact] | 34237100 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). If tested as [Redacted] residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The initial and final 1003 declarations section identified the borrower would occupy the subject as a [Redacted] residence. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 33530339 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 34008481 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the Taxes and Insurance for the REO |  |  |  | Reviewer Comment (2025-07-29): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-07-28): docs for [Redacted] | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 34008496 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) |  |  |  | Reviewer Comment (2025-07-22): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/22/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9178821 | [Redact] | [Redact] | 34008501 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The difference is due to the lender excluded consumer debt from the DTI that was paid off with a simultaneous refinance for an additional REO; however the simultaneous refinance closed and disbursed after the subject loan and the debts cannot be excluded that were paid off post-close. |  |  |  | Reviewer Comment (2025-08-04): Received updated 1003 & Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-07-31): See CD showing the [Redacted] loan closed the same day and disbursed the same day as the subject | 08/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 34008502 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-07-29): Received VVOE. Exception Cleared.<br>Seller Comment (2025-07-28): VOE | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 34013430 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a [Redacted] Residence. | The initial identified the co-borrower would occupy the subject as a [Redacted] residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]% for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. |  |  |  | Reviewer Comment (2025-08-14): UTD exception replaced with High Cost as Primary exception.<br>Seller Comment (2025-08-13): LOX<br>Reviewer Comment (2025-08-04): The revised 1003 was already captured and will not clear this condition. The loan failed High Cost testing when tested as a [Redacted]. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. Condition is valid and remains open<br>Seller Comment (2025-07-31): The application was corrected well before closing. See attached | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 34013439 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the CD or other documentation to verify the PITIA from the simultaneous refi of the REO. |  |  |  | Reviewer Comment (2025-08-04): Received updated 1003 & Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-08-02): Please see CD from [Redacted] uploaded [Redacted]<br>Reviewer Comment (2025-07-29): Required Tax certificate to verify actual tax amount. Exception Remains.<br>Seller Comment (2025-07-28): REO Docs<br>Seller Comment (2025-07-28): Statement | 08/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9178821 | [Redact] | [Redact] | 34208109 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted]residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). If tested as [Redacted] residence, loan exceeds one or more high cost thresholds. | UTD exception replaced with High Cost as Primary exception. |  |  |  | Reviewer Comment (2025-08-14): Attestation from borrower provided verifying the clerical error on the initial 1003 and confirming the investment occupancy. Client elected to waive the condition<br>Reviewer Comment (2025-08-14): [Redacted] received borrower attestation of [Redacted] occupancy and file contains no other evidence of [Redacted] occupancy. |  |  | 08/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180195 | [Redact] | [Redact] | 33535049 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-19): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-06-18): The collateral was delivered [Redacted] via [Redacted][Redacted]#[Redacted]. | 06/19/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9180195 | [Redact] | [Redact] | 33668528 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client Approved Exception to proceed with disputed account with derogatory information reflected and not require dispute to be removed and new tri-credit pulled. | The Debt Service Coverage Ratio ([Redacted]) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Post close assets: [Redacted] - liquid [Redacted] months reserves where [Redacted] months is required. | [Redact]<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-06-17): Client elected to waive the condition with the following Compensating Factors:<br> LTV of [Redacted] where [Redacted] is maximum<br> [Redacted] [Redacted] where [Redacted] is minimum<br> Post close assets: [Redacted] - liquid [Redacted] months reserves where [Redacted] months is required. |  |  | 06/17/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9180197 | [Redact] | [Redact] | 33535578 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-16): Waived on Rate Lock: Collateral cleared by Custodian | 07/16/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9180197 | [Redact] | [Redact] | 33908213 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-07-24): 1099 transcripts provided<br>Seller Comment (2025-07-24): see attached<br>Seller Comment (2025-07-22): If no SSI or 1099 income is being used then the 1099 transcripts should not be required. In order for me to get this back in front of our underwriter can you please specify the guide that states the 1099 transcripts are still required??<br>Seller Comment (2025-07-22): Please cite the guide that states the transcripts are required?<br>Reviewer Comment (2025-07-18): 1099 transcripts is required to clear this exception. Exception Remains.<br>Seller Comment (2025-07-18): UW rebuttal uploaded. Please provide an update.<br>Seller Comment (2025-07-16): see lox from uw | 07/24/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9085453 | [Redact] |  | 33537239 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | VOM dated [Redacted] is missing the creditors signature. Provide updated / revised VOM signed by creditor. |  |  |  | Reviewer Comment (2025-04-24): Executed VOM provided.<br>Buyer Comment (2025-04-22): signed VOM<br>Reviewer Comment (2025-04-14): The VOM from [Redacted] for the property located on [Redacted] is missing the signature of creditor.<br>Buyer Comment (2025-04-08): Per Lender: Please detail which VOM you are referring to; the ones we have in file are all signed digitally by [Redacted] | 04/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9180809 | [Redact] | [Redact] | 33538725 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-28): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180809 | [Redact] | [Redact] | 34043558 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO property. |  |  |  | Reviewer Comment (2025-08-07): Received updated 1003 and 1008. Exception Cleared.<br>Seller Comment (2025-08-07): attached-property has been removed as it is not owned by borrower<br>Reviewer Comment (2025-08-06): If the property is not owned by the borrower and not included in qualifying, a revised 1003 and 1008 removing the property is required. If the property is included in the qualifying, then proof of the PITIA is required. Condition is valid and remains open<br>Seller Comment (2025-08-06): Please note, the borrower does not own the property. The property is owned by an [Redacted] which is not the borrower's, and the borrower is not on title to this property. If an updated 1003 removing the property from this loan transaction is needed, please [Redacted]. Otherwise, please clear this condition-the borrower does not own the property and is not personally obligated for the property.<br>Reviewer Comment (2025-08-06): Updated comment: lender states refinance of the REO did not close. However, the file is still missing proof of the PITIA in place prior to the new loan that did not close. Also, a revised 1003, identifying the PITIA in place at the time of closing is required. Condition remains<br>Reviewer Comment (2025-08-06): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Address: [Redacted], Address: [Redacted], Address: [Redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Statement<br> Insurance Verification, Statement, Tax Verification<br> Statement<br>Reviewer Comment (2025-08-05): Received Mortgage statement & hazard insurance policy for property #[Redacted] & [Redacted]. Required Mortgage statement & HOA certificate for property #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-08-04): [Redacted] attached LE - please note, again, this purchase did not complete. The loan attached to this LE was not approved.<br> [Redacted] - please see attached HOI<br> [Redacted]Please see CD<br>Seller Comment (2025-08-04): [Redacted] attached LE - please note, again, this purchase did not complete. The loan attached to this LE was not approved.<br> [Redacted]-please see attached HOI<br> [Redacted] Please see CD<br>Reviewer Comment (2025-08-04): 1)For [Redacted] if purchase not complete then provide initial approval or LE to verify PITIA. 2)For [Redacted], insurance verification still missing. 3)For [Redacted] or statement required to verify PITIA.<br> Exception Remains.<br>Seller Comment (2025-08-02): Attached. Please note, [Redacted] purchase did not complete.<br>Seller Comment (2025-08-02): Attached. Please note, [Redacted] purchase did not complete. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180809 | [Redact] | [Redact] | 34043667 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9180806 | [Redact] | [Redact] | 33538727 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-28): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180806 | [Redact] | [Redact] | 34023445 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance verification and HOA document. |  |  |  | Reviewer Comment (2025-08-01): Received Tax and HOA. Exception Cleared.<br>Seller Comment (2025-07-31): tax bill<br>Seller Comment (2025-07-31): hoa<br>Reviewer Comment (2025-07-31): Required tax certificate to verify actual taxes used to qualify and also hoa verification. Exception Remains.<br>Seller Comment (2025-07-30): REO HOI<br>Reviewer Comment (2025-07-29): As per fraud report tax amount is $[Redacted] however as per final 1003 total expenses is $[Redacted] hence unable to verify other expenses $[Redacted] . Required Tax Certificate, Hazard Insurance or HOA document to verify $[Redacted]. Exception Remains.<br>Seller Comment (2025-07-28): MTG is in [Redacted] name only | 08/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180806 | [Redact] | [Redact] | 34023699 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/26/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180806 | [Redact] | [Redact] | 34023700 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9180806 | [Redact] | [Redact] | 34023708 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-01): Received RCE. Exception Cleared.<br>Seller Comment (2025-07-30): rce<br>Reviewer Comment (2025-07-29): The [Redacted] method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-07-28): The policy coverages our loan amount. please cancel cond | 08/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180810 | [Redact] | [Redact] | 33538733 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-28): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180810 | [Redact] | [Redact] | 34043340 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing copy of Mortgage Statement. |  |  |  | Reviewer Comment (2025-08-08): Received updated 1003 and 1008. Exception Cleared.<br>Seller Comment (2025-08-07): Updated<br>Reviewer Comment (2025-08-05): Per the Final 1003, the property address "[Redacted]" reflects a mortgage payment of $[Redacted]. However, as the mortgage application has been withdrawn, a revised Final 1003 and 1008 are required to accurately reflect the monthly payments. Exception Remains.<br>Seller Comment (2025-08-04): Please see previous comment, there is no mortgage statement for [Redacted], property is owned free and clear and previous application was withdrawn/loan did not close.<br>Reviewer Comment (2025-08-04): Received Mortgage statement for property #[Redacted] & [Redacted]. Required Mortgage statement for property #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-08-02): RE: [Redacted] - property is owned free and clear - loan application was withdrawn<br>Seller Comment (2025-07-31): [Redacted] | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9180810 | [Redact] | [Redact] | 34046119 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9180810 | [Redact] | [Redact] | 34048571 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/26/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9183153 | [Redact] | [Redact] | 33556807 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9183153 | [Redact] | [Redact] | 34017744 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-08-07): Updated disaster identified | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9183153 | [Redact] | [Redact] | 34160757 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Upon further review, the subject is located in a FEMA disaster area. Provide a post-disaster inspection dated after the disaster end date of [Redacted], verifying there was no damage. |  |  |  | Reviewer Comment (2025-09-02): Received PDI. Exception Cleared.<br>Seller Comment (2025-08-29): (Rate Lock) update | 09/02/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9183214 | [Redact] | [Redact] | 33557674 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-03): Waived on Rate Lock: Collateral cleared by Custodian | 07/03/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9183214 | [Redact] | [Redact] | 33804179 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Lender on the note is the same lender as the previous lien paid off, This is a lender to lender refinance and the incorrect [Redacted] form was used (H-8 vs. H-9). Re-open rescission using the correct form (H-9). Provide a copy of the revised [Redacted], letter of explanation to the borrower, and proof of receipt. |  |  |  | Reviewer Comment (2025-08-11): Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form was provided<br>Seller Comment (2025-08-11): Please see the attached Letter of Explanation, Right to Cancel, Closing Disclosure, and proof of delivery.<br>Reviewer Comment (2025-07-29): The revised [Redacted] provided was completed on the same form (H-8). Since the lender on the Note is the same as the original lender on the lien paid off at closing, the [Redacted] should have been completed on form H-9. The condition is valid and remains open.<br>Seller Comment (2025-07-25): Please see the attached Letter of Explanation, Right to Cancel, Closing Disclosure, and proof of delivery. |  | 08/11/2025 |  | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| [Redact] | 9185163 | [Redact] | [Redact] | 33568983 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-06-27): Waived on Rate Lock: Collateral cleared by Custodian | 06/27/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9185163 | [Redact] | [Redact] | 33715457 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted] is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or [Redacted]). | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted] is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of [Redacted] or [Redacted]). |  |  |  | Reviewer Comment (2025-06-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 06/20/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9175051 | [Redact] |  | 33619828 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-20): Additional months statement provided<br>Seller Comment (2025-06-20): 2 months stateemet uploaded<br>Reviewer Comment (2025-06-18): Required 2 months statement for account #[Redacted]. Exception Remains.<br>Seller Comment (2025-06-16): Bank statements uplaoded | 06/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9175051 | [Redact] |  | 33619847 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-24): Lender correspondence removed the account in question from qualifying<br>Seller Comment (2025-06-23): The previously uploaded bank statement covers the required liquidity<br>[Redacted] # [Redacted] - [Redacted], [Redacted] -- $[Redacted]<br> [Redacted] #[Redacted] -[Redacted], [Redacted]-- $[Redacted]<br>Reviewer Comment (2025-06-20): Additional copies of the statements for account [Redacted] were provided. The file is still missing an additional months statement for account [Redacted]. The file contains one months' statement ending [Redacted]. Condition remains<br>Seller Comment (2025-06-20): Additional bank statement uploaded<br>Reviewer Comment (2025-06-18): Required 2 months statement for account #[Redacted]. Exception Remains.<br>Seller Comment (2025-06-16): Bank statements uplaoded | 06/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9175055 | [Redact] |  | 33618443 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted]. |  |  |  | Reviewer Comment (2025-06-18): Received Bank Statement. Exception Cleared. | 06/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9175055 | [Redact] |  | 33618447 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-06-18): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-06-17): Bank statements uploaded | 06/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9175060 | [Redact] |  | 33620329 |  | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-16): RCE provided<br>Seller Comment (2025-06-16): RCE uploaded | 06/16/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9175060 | [Redact] |  | 33625353 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redacted] | Missing Fully executed and complete Lease Agreement for REO |  |  |  | Reviewer Comment (2025-06-20): Lease renewal agreement provided<br>Seller Comment (2025-06-20): Lease renewal uploaded<br>Reviewer Comment (2025-06-18): The provided lease agreement has expired. Please provide the latest lease agreement. Exception Remains.<br>Seller Comment (2025-06-16): Lease uploaded | 06/20/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9175060 | [Redact] |  | 33625406 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redacted] | Missing Fully executed and complete Lease Agreement for REO |  |  |  | Reviewer Comment (2025-06-18): Received Lease Agreement. Exception Cleared.<br>Seller Comment (2025-06-16): Uploaded | 06/18/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9175075 | [Redact] |  | 33627467 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-06-18): Lender confirmed higher taxes stated on the appraisal were used to qualify<br>Seller Comment (2025-06-16): Tax value is based on the appraisal | 06/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9175080 | [Redact] |  | 33625770 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence to access [Redacted] account number ending [Redacted] not provided. |  |  |  | Reviewer Comment (2025-06-20): Documentation confirming the access to the business funds was provided<br>Seller Comment (2025-06-20): Operating agreement | 06/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9175080 | [Redact] |  | 33626878 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-06-18): Lender provided documentation to verify the higher taxes used to qualify<br>Seller Comment (2025-06-16): Tax is based on the average of the comparables | 06/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9175094 | [Redact] |  | 33643853 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-06-18): Taxes considered from appraisal. Exception Cleared.<br>Seller Comment (2025-06-17): Tax is valuated as per the appraisal | 06/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9186010 | [Redact] | [Redact] | 33575427 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-28): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9186507 | [Redact] | [Redact] | 33577396 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian | 07/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9186507 | [Redact] | [Redact] | 33858721 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-07-17): Corrected taxes<br>Reviewer Comment (2025-07-13): Provided tax sheet not able to identify taxes used to qualify. Exception Remains.<br>Seller Comment (2025-07-10): Tax docs | 07/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9186507 | [Redact] | [Redact] | 33858803 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-13): Received RCE. Exception Cleared.<br>Seller Comment (2025-07-11): Please see attached RCE | 07/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9187092 | [Redact] | [Redact] | 33582036 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9187092 | [Redact] | [Redact] | 34134097 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-08): [Redacted] received updated Cd and valid Chanegd circumstance.<br>Seller Comment (2025-08-07): (Rate Lock) COC's | 08/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9187735 | [Redact] | [Redact] | 33586939 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-12): (Rate Lock) [Redacted] | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9187735 | [Redact] | [Redact] | 34174232 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file |  |  |  |  |  |  | 08/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9187735 | [Redact] | [Redact] | 34174251 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/11/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9187735 | [Redact] | [Redact] | 34177612 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception requested for use of [Redacted]% of business income in light of recent change to business structure. B1 was sole proprietor ([Redacted]% owner) and changed from sole proprietor to [Redacted], giving [Redacted]% ownership to his wife (B2). B2 has no employment history prior to this. Looking to use [Redacted]% of income for the business whether using [Redacted]% for B1 or [Redacted] between the 2 current spouse owners with B2 not having self-employment history prior to the change. CPA letter originally stated borrower was [Redacted]% owner. The file is missing the fully executed Client's exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Post close assets: $[Redacted] all liquid where $[Redacted] ([Redacted]) | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-25): Client elected to waive the condition with the following compensating factors<br> LTV of [Redacted] where [Redacted] is maximum<br> Post close assets: [Redacted] all liquid where [Redacted] (3X)<br> DTI of [Redacted] where [Redacted] is max and not qualifying with two property rental incomes.<br>Reviewer Comment (2025-08-19): Client exception approval provided; however the approval identified the max LTV/CLTV allowed for the exception approval is [Redacted]%. The loan closed with an LTV/CLTV of [Redacted]%. Unable to downgrade and waive the condition until all exception approval tolerances are met. Condition remains open<br>Seller Comment (2025-08-18): See attached Client Exception approval. Please cancel |  |  | 08/25/2025 | 2 C B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9187735 | [Redact] | [Redact] | 34182587 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide a revised 1003 showing the co-borrower's ownership of the business. Income was split [Redacted] since co-borrower is a co-owner. |  |  |  | Reviewer Comment (2025-08-19): Received revised 1003. Exception Cleared.<br>Seller Comment (2025-08-18): See attached updated 1003. Please clear | 08/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9187737 | [Redact] | [Redact] | 33586948 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-23): Waived on Rate Lock: Collateral cleared by Custodian | 07/23/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9187737 | [Redact] | [Redact] | 33920869 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Seller Comment (2025-08-25): [Redacted]: Please see the attached remediation with proof of delivery //<br>Reviewer Comment (2025-08-13): Only remaining requirement is re-opening of rescission, however proof of delivery of RTC is required and there should be at least 3 business days between the date the RTC is received and the date the RTC expires.<br>Seller Comment (2025-08-12): [Redacted]: Please confirm the refund check amount previously provided was sufficient, and that the only requirement left to clear this citing is re-opening of rescission. Thank you<br>Reviewer Comment (2025-08-12): Fees were added after closing to Secion A, GRAMA fee, Title - search and Lender's coverage premium that totaled $[Redacted]. The Prepaid interest decreased by $[Redacted], which lef tthe TOP under disclosed at closing in the amount of $[Redacted]. Cure requires PCCD, LOE, copy of refund check, re-opening of rescission and proof of delivery. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Seller Comment (2025-08-11): Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. |  | 08/26/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9187737 | [Redact] | [Redact] | 33921980 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Grama Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Grama Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. There was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided within [Redacted] Days of Closing |  | 07/14/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 9187737 | [Redact] | [Redact] | 33921981 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. There is a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided within [Redacted] Days of Closing |  | 07/14/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 9190410 | [Redact] | [Redact] | 33599727 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-21): Waived on Rate Lock: Collateral cleared by Custodian | 07/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9190410 | [Redact] | [Redact] | 33939205 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/16/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9191726 | [Redact] | [Redact] | 33611382 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33611573 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-03): Waived on Rate Lock: Collateral cleared by Custodian | 07/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793320 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Note: only a portion of the lump sum seller credit was used to offset the points and fees. The itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-31): Provide an attestation explaining the Commitment Fee on the Itemization vs. the Underwriting Fee on the CD are one and the same. Condition remains<br>Seller Comment (2025-07-29): The Commitment and the Underwriting fee are synonymous<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793321 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Note: only a portion of the lump sum seller credit was used to offset the points and fees. The itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793322 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Note: only a portion of the lump sum seller credit was used to offset the points and fees. The itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793323 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. | Note: only a portion of the lump sum seller credit was used to offset the points and fees. The itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793324 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Note: only a portion of the lump sum seller credit was used to offset the points and fees. The itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793325 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | Note: only a portion of the lump sum seller credit was used to offset the points and fees. The itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793326 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-06-30): Client elected to waive the condition on the Non-QM 1st lien |  |  | 06/30/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793328 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redact] High Risk Home Loan (Consumer Caution Notice Not Provided) | [Redacted] High Risk Home Loan: Borrower not provided with Consumer Caution Notice. |  |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | See any available cure under [Redact] High-Risk threshold exception. C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793329 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redact] High Risk Home Loan (Impermissible Financing of Points and Fees) | [Redacted] High Risk Home Loan: Lender financed points and fees not permissible. |  |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | See any available cure under [Redact] High-Risk threshold exception. C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793330 |  | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) [Redact] High Risk Home Loan (Late Charge) | [Redacted] High Risk Home Loan: Mortgage loan contains an impermissible late charge greater than [Redacted]%. | The late charge exceeds the state of [Redacted] max late fee of [Redacted]%. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | See any available cure under [Redact] High-Risk threshold exception. C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793331 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) [Redact] High Risk Home Loan (Mortgage Awareness Program ("MAP") Not Provided) | [Redacted] High Risk Home Loan: Borrower not notified of right to participate in Mortgage Awareness Program ("MAP"). | The notification of right to participate in Mortgage Awareness Program is missing in the file. |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | See any available cure under [Redact] High-Risk threshold exception. C B A | Non QM | Non QM | No |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793332 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redact] High Risk Home Loan (Points and Fees) | [Redacted] High Risk Home Loan Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-08-05): Offset provided for seller paid fees. High cost exceptions cleared.<br>Seller Comment (2025-08-05): The "Commitment fee" and the "Underwriting fee" are synonymous that are disclosed on the final CD and Itemization of Settlement Fees and Charges.<br>Reviewer Comment (2025-07-01): Per the initial comments made, the itemization in file identified the seller credit paid $[Redacted] of a Commitment Fee; however the Final and Post-Close CD did not include a Commitment Fee and the $[Redacted] was not offset. Condition is valid and remains open<br>Seller Comment (2025-07-01): [Redacted] A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges.<br>Seller Comment (2025-07-01): A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Within 30 days of closing, provide: (1) Lender Attestation to [Redact] attesting the lender has not received any notice from borrower of the failure; (2) Letter of Explanation; (3) refund of amount over the high-risk threshold maximum; and (4) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-risk threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| [Redact] | 9191730 | [Redact] | [Redact] | 33793357 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy has a coverage amount of $[Redacted] this is less than the note amount of $[Redacted] Please provide an updated title Commitment or final title. |  |  |  |  |  |  | 06/30/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9192929 | [Redact] | [Redact] | 33617039 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-02): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 07/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9192929 | [Redact] | [Redact] | 33795232 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval is provided to allow Log Home. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] post-close reserves ([Redacted] months or [Redacted]).<br>[Redacted] [Redacted] is [Redacted] over min ([Redacted]).<br>[Redacted] LTV is [Redacted] below max ([Redacted]). | Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-06-27): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]).<br> [Redacted] [Redacted] is [Redacted] over min ([Redacted]). <br> [Redacted] post-close reserves ([Redacted] months or [Redacted]). |  |  | 06/27/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9193687 | [Redact] | [Redact] | 33619704 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9193687 | [Redact] | [Redact] | 34171017 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-13): [Redacted] Received Valid COC alongwith CD dated [Redacted].<br>Seller Comment (2025-08-13): COC | 08/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9193696 | [Redact] | [Redact] | 33621511 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9193696 | [Redact] | [Redact] | 34108964 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/31/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9193696 | [Redact] | [Redact] | 34108987 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-31): Sufficient Cure Provided within [Redacted] Days of Closing |  | 07/31/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 9193700 | [Redact] | [Redact] | 33621928 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): The collateral was delivered [Redacted] via [Redacted] [Redacted]#[Redacted]. | 08/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9193700 | [Redact] | [Redact] | 34134196 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redact] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redact]. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2025-08-19): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |  |  | 08/19/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9193708 | [Redact] | [Redact] | 33623205 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9193708 | [Redact] | [Redact] | 34138073 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The initial and final 1003 identified the borrower would occupy the subject as a [Redacted] residence. Provide a revised 1003 correcting the declarations section. |  |  |  | Reviewer Comment (2025-08-08): Revised 1003 provided<br>Seller Comment (2025-08-08): Please see the revised 1003 attached.<br>Seller Comment (2025-08-08): Please see the revised 1003 attached | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9193708 | [Redact] | [Redact] | 34138074 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a [Redacted] Residence. | The initial and final 1003 identified the borrower would occupy the subject as a [Redacted] residence. Provide a revised 1003 correcting the declarations section. |  |  |  | Reviewer Comment (2025-08-08): Revised 1003 provided | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9193708 | [Redact] | [Redact] | 34171782 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). |  |  |  |  |  |  |  | 08/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9194904 | [Redact] | [Redact] | 33631253 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-31): Tracking # [Redacted] | 08/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9194904 | [Redact] | [Redact] | 34098888 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/30/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9195047 | [Redact] | [Redact] | 33632498 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian | 07/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9195047 | [Redact] | [Redact] | 33808111 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-06-30): Client elected to waive the condition on the Non-QM 1st lien |  |  | 06/30/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9195047 | [Redact] | [Redact] | 33808114 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Second Appraisal Fee wasn't disclosed to the borrower on the Loan Estimate, then disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. There was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9054688 | [Redact] |  | 33637223 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted](which is [Redacted]% of estimate cost new $[Redacted]) OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-05-22): Coverage provided that meets loan amount<br>Reviewer Comment (2025-03-14): Appraisal report noted estimated cost new $[Redacted] however replacement cost estimator not provided Require insurer's email confirmation stating dwelling coverage made to RCE. exception remains.<br>Buyer Comment (2025-03-13): Lender's comment: Borrowers are only required to provide insurance that covers the amount of the loan that is taken out against the subject property. | 05/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054688 | [Redact] |  | 33637224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Required [Redacted] Calculation Worksheet not found at time of review. |  |  |  | Reviewer Comment (2025-03-19): Updated [Redacted] calc provided.<br>Buyer Comment (2025-03-19): Updated [Redacted] calculation attached<br>Reviewer Comment (2025-03-14): Noted. Received [Redacted] Calculation worksheet. however Gross rent considered as per worksheet is incorrect compared to [Redacted] calculation considered. Kindly provided updated [Redacted] Calculation worksheet with the updated gross rent as $[Redacted] that is considered for DSCR calculation. Exception Remains.<br>Buyer Comment (2025-03-13): [Redacted] Calculation | 03/19/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054688 | [Redact] |  | 33637225 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-12): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-12): LOE |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054688 | [Redact] |  | 33637226 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. |  |  |  | Buyer Comment (2025-03-12): Lender acknowledged non material EV2 |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054688 | [Redact] |  | 33637227 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all (3) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): [Redacted] accepts, exception. |  |  | 05/06/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054688 | [Redact] |  | 33637228 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For refinances, a current lease must be supported with two most recent bank statements showing consecutive rental payments. Please provide the 2 most recent bank statements to confirm rental payments received and deposited match the monthly rental amount as reflected on the current lease provided. Statements in file are from accounting application used by [Redacted]. Bank statements are required. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] Limited Liability Company where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors.<br>Reviewer Comment (2025-03-18): Re-opened. Statement/pay history provided does not link back to this property. Exception stands.<br>Reviewer Comment (2025-03-14): Noted. Statement was provided that reflects rent received through borrower's another Entity "[Redacted]" where borrower has an ownership in that entity. Exception Cleared.<br>Buyer Comment (2025-03-13): Rent is being collected by another entity the borrowers own named [Redacted] ([Redacted] attached). Rent is being directly collected by the borrowers. |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054688 | [Redact] |  | 33637229 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted] . Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted] door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-17): As per application guarantors current address as follows:<br> i) [Redacted] - Current address- [Redacted]. ii) [Redacted] - Current address-[Redacted]. <br> iii) [Redacted] - Current address-[Redacted]<br>Received statement for "[Redacted]" but it has no bank name or Bank url to verify the payments are done from bank account. and no supporting mortgage statement and payment history if any received for [Redacted] - Current address- [Redacted] and [Redacted] - Current address-[Redacted]. exception remains.<br>Buyer Comment (2025-03-13): Purchase HUD showing [Redacted]. purchased his primary in cash<br>Buyer Comment (2025-03-13): History [Redacted]<br>Buyer Comment (2025-03-13): Mortgage statements for [Redacted] attached<br>Buyer Comment (2025-03-13): Melissa has an open mortgage on her credit report with clean payment history | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637239 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-12): Lender acknowledged non material EV2 |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637240 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application |  |  |  | Buyer Comment (2025-03-12): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-12): LOE |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637241 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Require signed and dated guaranty agreement from [Redacted] , [Redacted] for the benefit of [Redacted] |  |  |  | Reviewer Comment (2025-03-14): Noted. Received Guarantee Agreement for [Redacted] , [Redacted]. Exception cleared<br>Buyer Comment (2025-03-13): Guaranty | 03/14/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637243 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Required [Redacted] Calculation Worksheet not found at time of review. |  |  |  | Reviewer Comment (2025-03-14): Noted. Received [Redacted] Calculation worksheet. Exception cleared<br>Buyer Comment (2025-03-13): [Redacted] | 03/14/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637244 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all (3) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): [Redacted] Exception.<br>Reviewer Comment (2025-03-18): Disregarded.<br>Buyer Comment (2025-03-13): Disregard<br>Buyer Comment (2025-03-13): OA |  |  | 05/06/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637246 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both title and appraisal reflect owner of public record/vested owner as [Redacted] while our Borrower is [Redacted]. Loan is a cash-out refinance. Guides [Redacted] require • Borrower must have held title for a minimum of [Redacted] months from disbursement date |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Reviewer Comment (2025-03-17): Re-opened. "[Redacted] being [Redacted]% owner of [Redacted] is noted. However, guides state: [Redacted] Cash-Out Refinance<br> • Borrower must have held title for a minimum of [Redacted] months from disbursement date. The Current borrower is [Redacted] Which is owned by three parties. Concern is [Redacted] and [Redacted] are current/proposed owners with no prior history of ownership."<br>Reviewer Comment (2025-03-14): Noted Received Operating agreement for [Redacted]. reflecting [Redacted] as [Redacted] % ownership. Exception cleared.<br>Buyer Comment (2025-03-13): [Redacted] | 05/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637247 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For refinances, a current lease must be supported with two most recent bank statements showing consecutive rental payments. Please provide the [Redacted] most recent bank statements to confirm rental payments received and deposited match the monthly rental amount as reflected on the current lease provided. Statements in file are from accounting application used by [Redacted]. Bank statements are required. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors.<br>Reviewer Comment (2025-03-17): Noted account statement from [Redacted] which is not acceptable per guide however a current lease must be supported with two most recent bank statements showing consecutive rental payments. exception remains.<br>Buyer Comment (2025-03-13): Per Lender: Rent is being collected by another entity the borrowers own named [Redacted] (OA attached). Rent is being directly collected by the borrowers.<br>Buyer Comment (2025-03-13): [Redacted] OA |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054670 | [Redact] |  | 33637248 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted]. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-17): What primary residence is the [Redacted] payment history for? The pay history for [Redacted] shows payments made in [Redacted] and [Redacted]. 12 months is required and this property is not on credit. Is it a private mortgage? Unable to determine [Redacted] primary pay history. The credit shows a mortgage but there isnt anything linking this as her primary. What is the HUD for [Redacted] for? Is this a new primary? We need a 12 month history or a rent free letter. If previous was a private mortgage additional documentation needed.<br>Buyer Comment (2025-03-13): [Redacted] Payment History<br>Buyer Comment (2025-03-13): Pay History<br>Buyer Comment (2025-03-13): [Redacted] Credit<br>Buyer Comment (2025-03-13): HUD | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054674 | [Redact] |  | 33637249 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-12): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-12): LOE |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054674 | [Redact] |  | 33637250 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right to Receive a Copy appraisal disclosure provided at closing. |  |  |  | Buyer Comment (2025-03-12): Lender acknowledged non material EV2 |  |  | 03/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054674 | [Redact] |  | 33637251 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] Calculation Worksheet not provided. |  |  |  | Reviewer Comment (2025-03-14): Received [Redacted] calculation worksheet. exception cleared.<br>Buyer Comment (2025-03-13): [Redacted] Calculation | 03/14/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054674 | [Redact] |  | 33637253 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all ([Redacted]) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): [Redacted] Exception |  |  | 05/06/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054674 | [Redact] |  | 33637254 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For refinances, a current lease must be supported with two most recent bank statements showing consecutive rental payments. Please provide the 2 most recent bank statements to confirm rental payments received and deposited match the monthly rental amount as reflected on the current lease provided. Statements in file are from accounting application used by [Redacted]. Bank statements are required. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors.<br>Reviewer Comment (2025-03-18): The same exception on [Redacted] has been reopened. Documentation provided is not sufficient.<br>Buyer Comment (2025-03-17): Please note and advise: This same exception was cleared on Loan# [Redacted]. I want to make sure we are staying consistent on all of the [Redacted] loans before responding to the Lender.<br>Reviewer Comment (2025-03-17): Noted account statement from [Redacted] which is not acceptable per guide however current lease must be supported with two most recent bank statements showing consecutive rental payments so please provide bank statement. exception remains.<br>Buyer Comment (2025-03-13): History for [Redacted]<br>Buyer Comment (2025-03-13): Mortgage statements for [Redacted] attached<br>Buyer Comment (2025-03-13): [Redacted] has an open mortgage on her credit report with clean payment history<br>Buyer Comment (2025-03-13): Purchase HUD showing [Redacted]. purchased his primary in cash<br>Buyer Comment (2025-03-13): Rent is being collected by another entity the borrowers own named [Redacted] (OA attached). Rent is being directly collected by the borrowers. |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054674 | [Redact] |  | 33637255 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted]residences. Per [Redacted]. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-14): Noted mortgage payment history for [Redact] current residence [Redacted]". [Redacted] current address "[Redacted]" and [Redacted] current address "[Redacted]" mortgage payment history not located so require supporting document to verify whether mortgage with these current address are current if so require payment history. exception remains.<br>Buyer Comment (2025-03-13): Purchase HUD showing [Redacted]. purchased his primary in cash<br>Buyer Comment (2025-03-13): [Redacted] has an open mortgage on her credit report with clean payment history<br>Buyer Comment (2025-03-13): History for [Redacted]<br>Buyer Comment (2025-03-13): Mortgage statements for [Redacted] attached | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637257 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require ([Redacted] Calculation Worksheet) in file |  |  |  | Reviewer Comment (2025-03-12): Noted. Received [Redacted] Calculation Worksheet with updated [Redacted] ratio. Exception cleared.<br>Buyer Comment (2025-03-12): [Redacted] Calculation | 03/12/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637258 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Require signed and dated guaranty agreement from [Redacted] , [Redacted] for the benefit of [Redacted] |  |  |  | Reviewer Comment (2025-03-12): Noted. Guarantor Agreement with all members signed received. Exception Cleared<br>Buyer Comment (2025-03-12): Attached is the Guarantee signed by all 3 guarantors | 03/12/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637259 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637260 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Require "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2 |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637263 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An expired lease agreement that has verbiage that states the lease agreement becomes a month-to-month lease once the initial lease/rental term expires is required as the lease provided expired [Redacted] or a current lease please |  |  |  | Reviewer Comment (2025-03-12): Month to month verbiage provided.<br>Buyer Comment (2025-03-12): This lease has month to month terminology in section [Redacted] - "in the event that Resident holds over the Premises after the Lease Term, the same shall be deemed to be month-to-month tenancy," | 03/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637264 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted]s. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted] resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-17): Received statement for "[Redacted]" but it has no bank name or Bank url to verify the payments are done from bank account. and no supporting mortgage statement and payment history received for [Redacted] - Current address- [Redacted] and [Redacted] - Current address-[Redacted] or mortgage released deed if any provided the same exception remains.<br>Buyer Comment (2025-03-14): Is this exception still in review?<br>Reviewer Comment (2025-03-12): Documentation provided for [Redacted].<br>Buyer Comment (2025-03-12): Pay history -[Redacted]<br>Buyer Comment (2025-03-12): Pay history [Redacted]<br>Buyer Comment (2025-03-12): [Redacted] has one open mortgage on her credit report that has zero lates<br>Buyer Comment (2025-03-12): Attached is the credit report for the guarantor<br>Buyer Comment (2025-03-12): Attached is the purchase HUD for his primary showing that he owns it free and clear. He purchased it in [Redacted] of this past year. | 05/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637265 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both title and appraisal reflect owner of public record/vested owner as [Redacted] while our Borrower is [Redacted]. Loan is a cash-out refinance. Guides [Redacted] require • Borrower must have held title for a minimum of [Redacted] months from disbursement date. |  |  |  | Reviewer Comment (2025-05-12): [Redacted] is the sole owner of [Redacted]. Cleared.<br>Buyer Comment (2025-05-07): Per lender: Operating agreement for [Redacted] attached. [Redacted] is the sole owner - HUD attached showing [Redacted] purchasing the property in [Redacted]<br>Buyer Comment (2025-05-07): OA and HUD<br>Reviewer Comment (2025-03-13): [Redacted] being [Redacted]% owner of [Redacted] is noted. However, guides state: [Redacted] Cash-Out Refinance<br> • Borrower must have held title for a minimum of [Redacted] months from disbursement date. The Current borrower is [Redacted] Which is owned by three parties. Concern is [Redacted] and [Redacted] are current/proposed owners with no prior history of ownership.<br>Buyer Comment (2025-03-12): Our [Redacted] owns [Redacted], attached is the OA, State formation, and EIN | 05/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637266 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all (3) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): Exception from [Redacted]<br>Reviewer Comment (2025-03-13): Guideline require each member to sign the Note, Deed, of Trust/Mortgage and all Riders.<br>Buyer Comment (2025-03-12): Attached is the business resolution signed at closing |  |  | 05/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054683 | [Redact] |  | 33637267 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of [Redacted] months rental deposits in the bank statements | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors. |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054677 | [Redact] |  | 33637269 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] Calculation Worksheet is missing in file |  |  |  | Reviewer Comment (2025-03-13): Received [Redacted] Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-03-12): [Redacted] | 03/13/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054677 | [Redact] |  | 33637270 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2 |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054677 | [Redact] |  | 33637271 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054677 | [Redact] |  | 33637272 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted]. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-13): 1) [Redacted] Primary [Redacted] - Housing history Verified from [Redacted] till [Redacted] from pay history<br> 2) [Redacted] Primary - [Redacted]- - Credit report noted [Redacted] Months history, however unable to verify that Mortgage is belong primary property [Redacted], additionally only [Redacted] months verified whereas Guideline Require [Redacted] Months Housing history. . If Free and clear please provide evidence or require previous primary history (if any) (fraud report does not reflect the property information to verify borrower ownership.)<br> 3)[Redacted] Primary : [Redacted] - As per Application/Driving License/Credit report current address is [Redacted] where as lender provided closing statement of [Redacted]. Additionally it is Purchase in [Redacted] whereas guideline require [Redacted] months history. (fraud report does not reflect the property information to verify borrower ownership.)<br>Buyer Comment (2025-03-13): Please Review<br>Buyer Comment (2025-03-13): Good morning, I don't see a response from [Redacted].<br>Buyer Comment (2025-03-12): Per lender: Attached is the pay history for [Redacted] primary, the recent cash purchase of [Redacted] new primary as of [Redacted] and zero open mortgages on his credit post purchase. Also attached is [Redacted] credit report showing zero lates on her current open mortgage.<br>Buyer Comment (2025-03-12): HUD<br>Buyer Comment (2025-03-12): [Redacted] Credit<br>Buyer Comment (2025-03-12): Pay History<br>Buyer Comment (2025-03-12): [Redacted] Pay History | 05/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054677 | [Redact] |  | 33637273 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all ([Redacted]) members executing same. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-05): Exception from [Redacted]. |  |  | 05/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054677 | [Redact] |  | 33637274 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of [Redacted] months rental deposits in the bank statements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] Limited Liability Company where guidelines require all members to execute these documents AND Missing evidence of [Redacted] months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors. |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637276 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] Calculation Worksheet is missing. |  |  |  | Reviewer Comment (2025-03-13): Received [Redacted] calculation worksheet. Exception Cleared<br>Buyer Comment (2025-03-12): [Redacted] | 03/13/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637277 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-03-11): Acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637278 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right To Receive Appraisal Disclosure is provided at closing. |  |  |  | Buyer Comment (2025-03-11): Acknowledged non material EV2 |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637279 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An expired lease agreement that has verbiage that states the lease agreement becomes a month-to-month lease once the initial lease/rental term expires is required or a current lease agreement please. Also please provide [Redacted] months current rental payments as last payment provided is [Redacted] | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors.<br>Reviewer Comment (2025-05-07): revised, still missing the 2 months bank statement to confirm rent as company ledger of rent not accepted.<br>Reviewer Comment (2025-03-13): Lease has been Expired on [Redacted] and as per Agreement tenant have 2 Option i.e. Term extension or Month to Month Extension, however no confirmation provided regarding extension. 2 month rental payment requirement met.<br>Buyer Comment (2025-03-12): Lease |  |  | 05/27/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637280 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [Redacted] ,[Redacted] and [Redacted] are all missing [Redacted] months housing history for all Borrowers |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-13): 1) [Redacted] Primary [Redacted] - Housing history Verified from [Redacted] till [Redacted] from pay history<br> 2) [Redacted] Primary - [Redacted]- - Credit report noted [Redacted] Months history, however unable to verify that Mortgage is belong primary property [Redacted], additionally only [Redacted] months verified whereas Guideline Require [Redacted] Months Housing history. . If Free and clear please provide evidence or require previous primary history (if any) (fraud report does not reflect the property information to verify borrower ownership.)<br> 3)[Redacted] Primary : [Redacted] - As per Application/Driving License/Credit report current address is [Redacted] where as lender provided closing statement of [Redacted]. Additionally it is Purchase in [Redacted] whereas guideline require [Redacted] months history. (fraud report does not reflect the property information to verify borrower ownership.)<br>Buyer Comment (2025-03-12): Per Lender: - Mortgage statements for [Redacted] attached - Purchase HUD showing [Redacted]purchased his primary in cash -[Redacted] has an open mortgage on her credit report with clean payment history<br>Buyer Comment (2025-03-12): Pay History - [Redacted]<br>Buyer Comment (2025-03-12): Pay History<br>Buyer Comment (2025-03-12): [Redacted] Credit<br>Buyer Comment (2025-03-12): HUD | 05/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637281 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both title and appraisal reflect owner of public record/vested owner as [Redacted] while our Borrower is [Redacted]. Loan is a cash-out refinance. Guides [Redacted] require • Borrower must have held title for a minimum of [Redacted] months from disbursement date. |  |  |  | Reviewer Comment (2025-03-13): [Redacted] Owned by Guarantor [Redacted]. Operating agreement provided confirm [Redacted] owned [Redacted] % Business [Redacted]. confirms Borrower owned Property more than [Redacted] months. Exception Cleared<br>Buyer Comment (2025-03-12): OA for [Redacted] | 03/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054681 | [Redact] |  | 33637282 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all ([Redacted]) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): Exception from [Redacted].<br>Reviewer Comment (2025-03-13): Disregarded<br>Buyer Comment (2025-03-12): Disregard<br>Buyer Comment (2025-03-12): OA for [Redacted] |  |  | 05/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054679 | [Redact] |  | 33637293 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] Calculation Worksheet is missing. |  |  |  | Reviewer Comment (2025-03-13): Received [Redacted] Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-03-12): [Redacted] | 03/13/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054679 | [Redact] |  | 33637294 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within [Redacted] days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054679 | [Redact] |  | 33637295 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054679 | [Redact] |  | 33637296 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all ([Redacted]) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): [Redacted] Exception. |  |  | 05/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054679 | [Redact] |  | 33637297 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted]. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-14): 1) [Redacted] Primary [Redacted] - Housing history Verified from [Redacted] till [Redacted] from pay history<br> 2) [Redacted] Primary - [Redacted]- - Credit report noted [Redacted] Months history, however unable to verify that Mortgage is belong primary property [Redacted], additionally only [Redacted] months verified whereas Guideline Require [Redacted] Months Housing history. . If Free and clear please provide evidence or require previous primary history (if any) (fraud report does not reflect the property information to verify borrower ownership.)<br> 3)[Redacted] Primary : [Redacted] - As per Application/Driving License/Credit report current address is [Redacted] where as lender provided closing statement of [Redacted]. Additionally it is Purchase in [Redacted] whereas guideline require [Redacted] months history. (fraud report does not reflect the property information to verify borrower ownership.)<br>Buyer Comment (2025-03-13): Payment Details<br>Buyer Comment (2025-03-13): Pay History<br>Buyer Comment (2025-03-13): [Redacted] Credit<br>Buyer Comment (2025-03-13): HUD | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054679 | [Redact] |  | 33637298 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of [Redacted] months rental deposits in the bank statements. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors. |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637299 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Required [Redacted] Calculation Worksheet not found at time of review. Also missing evidence of [Redacted] months rental deposits in the bank statements. |  |  |  | Reviewer Comment (2025-03-12): [Redacted] worksheet provided. See other separate exception for the missing bank statements.<br>Buyer Comment (2025-03-12): Rent is being collected by another entity the borrowers own named [Redacted] (OA attached). Rent is being directly collected by the borrowers.<br>Reviewer Comment (2025-03-11): Received [Redacted] calculation worksheet, however still missing [Redacted] month Rental income deposit in in the borrower or Guarantor's Bank statement. Exception Remains<br>Buyer Comment (2025-03-11): Here is the [Redacted] calculation breakdown | 03/12/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637301 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within [Redacted] days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637302 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right To Receive Appraisal Disclosure is updated is closing date. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2 |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637303 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all ([Redacted]) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): [Redacted] exception.<br>Reviewer Comment (2025-03-13): Disregarded.<br>Buyer Comment (2025-03-12): Please disregard upload. Lender is asking for an exception.<br>Buyer Comment (2025-03-12): Corporate resolution<br>Buyer Comment (2025-03-12): Corporate resolution attached as well the LOE for only 1 member signing. |  |  | 05/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637304 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide [Redacted] recent months bank statements that confirm rental payments deposited into the account match the monthly rent amount listed on the current lease as required on refinance transactions. File contains pay history provided by borrower's business entity [Redacted]. Bank statements required . | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): Exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factors.<br>Reviewer Comment (2025-05-07): Cleared in error and re-opened, need actual bank statement not company ledger printout<br>Reviewer Comment (2025-03-13): Received pay history and the operating agreement. Pay history is for [Redacted] which is guarantor another business entity. that reflects the rental deposit. Exception cleared<br>Buyer Comment (2025-03-12): Rent is being collected by another entity the borrowers own named [Redacted] (OA attached). Rent is being directly collected by the borrowers. |  |  | 05/27/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637305 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted]. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Acceptable to investor<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted]. resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-12): Documentation provided but not required. Cleared.<br>Buyer Comment (2025-03-12): - Mortgage statements for [Redacted] attached - Purchase HUD showing [Redacted] purchased his primary in cash -[Redacted]has an open mortgage on her credit report with clean payment history<br>Buyer Comment (2025-03-12): - Mortgage statements for [Redacted] attached - Purchase HUD showing [Redacted] purchased his primary in cash -[Redacted] has an open mortgage on her credit report with clean payment history | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054676 | [Redact] |  | 33637306 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects owner of public record/vested owner as [Redacted] while our Borrower is [Redacted]. Loan is a cash-out refinance. Guides [Redacted] require • Borrower must have held title for a minimum of [Redacted] months from disbursement date |  |  |  | Reviewer Comment (2025-05-22): Appraisal reflects [Redacted] | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054678 | [Redact] |  | 33637308 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] Calculation Worksheet is missing. [Redacted] months consecutive rental payments are also missing. |  |  |  | Reviewer Comment (2025-03-13): Received [Redacted] Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-03-12): Statement<br>Buyer Comment (2025-03-12): [Redacted] | 03/13/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054678 | [Redact] |  | 33637309 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within [Redacted] days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2<br>Buyer Comment (2025-03-11): LOE |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054678 | [Redact] |  | 33637310 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right To Receive Appraisal Disclosure was provided at the closing. |  |  |  | Buyer Comment (2025-03-11): Lender acknowledged non material EV2 |  |  | 03/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054678 | [Redact] |  | 33637311 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of [Redacted] months rental deposits in the bank statements. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-27): Investor accepts and agrees to waive with compensating factors<br>Buyer Comment (2025-05-27): As a recap, you are seeking an exception for Note, Security Agreement and Settlement Statement were only executed by 1 of 3 members of [Redacted] where guidelines require all members to execute these documents AND Missing evidence of 2 months rental deposits in the bank statements. Statement was provided. [Redacted] is comfortable approving this request based on compensating factor.<br>Reviewer Comment (2025-03-14): There isn't anything on the pay history provided that ties it back to this loan. The lease amount is $[Redacted] and this amount does not show up on the statement. Lease expired in [Redacted] and it has a month to month clause. Exception stands.<br>Buyer Comment (2025-03-12): Statement |  |  | 05/27/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054678 | [Redact] |  | 33637312 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note and Security Agreement executed by only one member. Provided re-executed Note and Security Agreement and Settlement Statement with all ([Redacted]) members executing same. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-05-06): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-05-06): [Redacted] exception. |  |  | 05/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9054678 | [Redact] |  | 33637313 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit applications reflect the guarantors have [Redacted] residences. Per [Redacted]. Section8.3 a 12-month housing history is required for the [Redacted] residence. Credit reflects no mortgages . If Free and clear please provide evidence , if a borrower is refinancing a privately held mortgage the following payment verification requirements apply:<br> o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account).<br> o Evidence must be included in the loan file that the lien being paid off is a current recorded lien against the subject property. |  |  |  | Reviewer Comment (2025-05-22): Investor accepts.<br>Buyer Comment (2025-05-22): Prior to moving into their newly built homes, both [Redacted] resided in company owned homes, which was their prerogative as owners of a [Redacted]+ door portfolio. <br> As such, the mortgage payments were made from the [Redacted] accounts that hold title for those homes. There simply isn't any proof of "rental payments", as in this scenario they weren't renting. However payments were certainly made from the appropriate accounts.<br>Reviewer Comment (2025-03-13): 1) [Redacted] Primary [Redacted] - Housing history Verified from [Redacted] till [Redacted] from pay history<br> 2) [Redacted] Primary - [Redacted]- - Credit report noted [Redacted] Months history, however unable to verify that Mortgage is belong primary property [Redacted], additionally only [Redacted] months verified whereas Guideline Require [Redacted] Months Housing history. . If Free and clear please provide evidence or require previous primary history (if any) (fraud report does not reflect the property information to verify borrower ownership.)<br> 3)[Redacted] Primary : [Redacted] - As per Application/Driving License/Credit report current address is [Redacted] where as lender provided closing statement of [Redacted]. Additionally it is Purchase in [Redacted] whereas guideline require [Redacted] months history. (fraud report does not reflect the property information to verify borrower ownership.)<br>Buyer Comment (2025-03-13): Please Review<br>Buyer Comment (2025-03-12): Per Lender: Attached is the pay history for [Redacted] primary, the recent cash purchase of [Redacted] new primary as of [Redacted] and zero open mortgages on his credit post purchase. Also attached is [Redacted] credit report showing zero lates on her current open mortgage.<br>Buyer Comment (2025-03-12): Payment Details<br>Buyer Comment (2025-03-12): Pay History<br>Buyer Comment (2025-03-12): [Redacted] credit<br>Buyer Comment (2025-03-12): HUD | 05/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9196077 | [Redact] | [Redact] | 33641815 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-07): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 07/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9196077 | [Redact] | [Redact] | 33817256 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-14): Received revised Hazard Insurance policy. Exception Cleared.<br>Seller Comment (2025-08-13): Please see attached insurance policy.<br>Reviewer Comment (2025-07-29): HOI coverage is insufficient by $[Redacted]. Provided RCE reconstruction cost $[Redacted] is not supporting current coverage amount. Exception Remains.<br>Seller Comment (2025-07-28): Please see attached hazard coverage calculator indicating coverage is sufficient.<br>Reviewer Comment (2025-07-17): The [Redacted] method was used to determine the coverage requirement. Provided RCE does not have supporting coverage with dwelling amount. Exception Remains.<br>Seller Comment (2025-07-16): rce | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9196089 | [Redact] | [Redact] | 33644067 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9196089 | [Redact] | [Redact] | 34003970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty Premium. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Home Warranty Premium Fee was not disclosed LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-11): [Redacted] received corrected PCCD and LOE moving the non lender required fee from section C to H.<br>Seller Comment (2025-08-08): LOX, PCCD | 08/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9196089 | [Redact] | [Redact] | 34004220 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Evidence Gift Funds transferred to Borrower not provided. |  |  |  | Reviewer Comment (2025-07-29): Received wire confirmation. Exception Cleared.<br>Seller Comment (2025-07-28): Wire Conf | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9196089 | [Redact] | [Redact] | 34004231 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Evidence Gift Funds transferred to Borrower not provided. |  |  |  | Reviewer Comment (2025-07-29): Received wire confirmation. Exception Cleared.<br>Seller Comment (2025-07-28): Wire Conf uploaded | 07/29/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9196089 | [Redact] | [Redact] | 34004232 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Evidence Gift Funds transferred to Borrower not provided. |  |  |  | Reviewer Comment (2025-07-29): Received wire confirmation. Exception Cleared.<br>Seller Comment (2025-07-28): Wire Conf uploaded | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9196089 | [Redact] | [Redact] | 34004235 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Evidence Gift Funds transferred to Borrower not provided. |  |  |  | Reviewer Comment (2025-07-29): Received wire confirmation. Exception Cleared.<br>Seller Comment (2025-07-28): Wire Conf uploaded | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9196089 | [Redact] | [Redact] | 34178001 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Post-close CD provided verified a disbursement date of [Redacted] which is prior to the effective date of the HOI policy. Provide a revised HOI policy with an effective date at or prior to the disbursement date. |  |  |  | Reviewer Comment (2025-08-12): Updated dec page provided<br>Seller Comment (2025-08-12): HOI | 08/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9197039 | [Redact] | [Redact] | 33654121 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian | 08/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197039 | [Redact] | [Redact] | 34179903 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. |  | The Flood Insurance Policy declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised Flood Insurance Policy declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-08-14): Received copy of Flood Insurance Policy. Exception Cleared.<br>Seller Comment (2025-08-13): (Rate Lock) Flood Insurance effective [Redacted] | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197039 | [Redact] | [Redact] | 34179911 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/11/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9197059 | [Redact] | [Redact] | 33655004 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-29): Waived on Rate Lock: Collateral cleared by Custodian | 07/29/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197059 | [Redact] | [Redact] | 34044087 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-07): Received confirmation from insurance company about replacement cost. Exception Cleared.<br>Seller Comment (2025-08-06): [Redacted] tm: attached | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197059 | [Redact] | [Redact] | 34046646 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/26/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197059 | [Redact] | [Redact] | 34046647 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/26/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197059 | [Redact] | [Redact] | 34047009 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Verification of all REO(s) scheduled monthly payment is inclusive of taxes and insurance not provided. |  |  |  | Reviewer Comment (2025-08-22): Received tax and insurance documents. Exception Cleared.<br>Seller Comment (2025-08-21): [Redacted] tm: Please see updated loan application and REO documentation. The mortgages attached to the REOs were not correct and it has been updated (open lien reports provided to confirm). All REO expenses are now accounted for. | 08/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197061 | [Redact] | [Redact] | 33655119 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 33656261 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-31): Tracking # [Redacted] | 08/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063355 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-07-31): Received E-Sign. Exception Cleared.<br>Seller Comment (2025-07-30): audit trail | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063442 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final not provided |  |  |  | Reviewer Comment (2025-07-31): Received Final 1003. Exception Cleared.<br>Seller Comment (2025-07-30): final 1003 | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063460 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval document is not provided |  |  |  | Reviewer Comment (2025-07-31): Received Conditional Approval document. Exception Cleared.<br>Seller Comment (2025-07-30): approval | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063462 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) / MCAW document is not provided |  |  |  | Reviewer Comment (2025-07-31): Received 1008. Exception Cleared.<br>Seller Comment (2025-07-30): 1008 | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063464 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Title Preliminary document not provided |  |  |  | Reviewer Comment (2025-07-31): Received Commitment Title. Exception Cleared.<br>Seller Comment (2025-07-30): Title commitment | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063476 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. |  |  |  | Reviewer Comment (2025-07-31): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-07-30): Drive report | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063502 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-07-31): Received Commitment Title. Exception Cleared.<br>Seller Comment (2025-07-30): see uploaded title report from today | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063546 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-07-28): Client elected to waive the condition |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063582 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2025-07-31): Received VVOE document. Exception Cleared.<br>Seller Comment (2025-07-30): vvoe | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34063583 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | Miscellaneous<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | - [Redacted]-years property management experience.<br>- DOD verification confirms active employment post-closing. | Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator | Reviewer Comment (2025-08-20): The client elected to waive the condition with the following compensating factors:<br> - DOD verification confirms active employment post-closing. <br> - $[Redacted] other REO equity. <br> - [Redacted] - years property management experience.<br>Reviewer Comment (2025-08-04): As per guideline, Verbal VOE (dated within 10 days of the note date) must be completed prior to closing. Exception Remains.<br>Seller Comment (2025-08-01): vvoe<br>Reviewer Comment (2025-07-31): Verification of Employment must be completed within 10 days of closing. Exception Remains.<br>Seller Comment (2025-07-30): see uploaded vvoe from today |  |  | 08/20/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197249 | [Redact] | [Redact] | 34064279 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-31): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-07-30): taxes | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9197309 | [Redact] | [Redact] | 33656672 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9197309 | [Redact] | [Redact] | 34170278 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 08/11/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9197309 | [Redact] | [Redact] | 34170287 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/11/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9197309 | [Redact] | [Redact] | 34170292 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9198452 | [Redact] | [Redact] | 33668541 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198452 | [Redact] | [Redact] | 34258976 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final Loan Application Declarations. Will you occupy as your [Redacted] residence: Yes. Provide a revised 1003 correcting the declarations section. |  |  |  | Reviewer Comment (2025-08-26): Revised 1003 provided<br>Seller Comment (2025-08-26): Updated 1003 | 08/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198452 | [Redact] | [Redact] | 34259028 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). |  |  |  |  |  |  | 08/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198449 | [Redact] | [Redact] | 33669167 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-15): Waived on Rate Lock: Collateral cleared by Custodian | 07/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9198449 | [Redact] | [Redact] | 33909009 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing a copy of HOA verification for [Redacted].. |  |  |  | Reviewer Comment (2025-07-17): Received HOA verification. Exception Cleared.<br>Seller Comment (2025-07-15): Please see 2nd page for [Redacted] dues | 07/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9198449 | [Redact] | [Redact] | 33909121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Attorney's Fees-Borrower's was not disclosed on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] Received Corrected PCCD and LOE moving fee to section H.<br>Seller Comment (2025-07-29): Please find PCCD, LOX, title attestation to follow<br>Seller Comment (2025-07-29): PCCD/LOX/Title attestation<br>Seller Comment (2025-07-29): Title attestation, PCCD, LOX | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9198447 | [Redact] | [Redact] | 33670096 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-17): (Rate Lock) [Redacted] | 07/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198447 | [Redact] | [Redact] | 33906531 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/14/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198447 | [Redact] | [Redact] | 33925280 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their [Redacted] residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). If tested as [Redacted] residence, loan exceeds one or more high cost thresholds. | There is evidence on the initial 1003 that the borrower intends to occupy the property as their [Redacted] residence. |  |  |  | Reviewer Comment (2025-09-22): Client elected to waive the condition. Attestation from borrower provided verifying a clerical error on the initial 1003. All other documentation in file supports the Investment occupancy type.<br>Reviewer Comment (2025-09-22): Downgraded to EV2-B as loan is exempt from federal and state high-cost testing.<br>Seller Comment (2025-09-19): Borrower attestation uploaded<br>Reviewer Comment (2025-08-06): The revised 1003 will not clear this condition. The loan failed High Cost testing when tested as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted] months interest for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. Condition is valid and remains open<br>Seller Comment (2025-08-05): See attached updated 1003.<br>Reviewer Comment (2025-07-30): The initial and final 1003 identified the co-borrower would occupy the subject as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted] months interest for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. The loan failed High Cost testing when tested as a primary residence. In order to consider a downgrade of the condition, an attestation from the BORROWER detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy of Investment is required. Condition is valid and remains open<br>Seller Comment (2025-07-29): See attached Business Purpose Cert and Occupancy Affidavit showing the borrower does not intent to occupy the property. Please cancel. |  |  | 09/22/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198447 | [Redact] | [Redact] | 34101136 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Upon further review, the declarations section of the initial and final 1003 identified the borrower would occupy the property as a [Redacted] residence. A revised 1003 correcting the declarations section is required. |  |  |  | Reviewer Comment (2025-08-06): Revised 1003 correcting the declarations section was provided<br>Seller Comment (2025-08-05): See attached updated 1003. | 08/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9198451 | [Redact] | [Redact] | 33670191 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) Delivered [Redacted] via [Redacted] [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33670931 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974235 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-07-23): Approval | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974236 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-07-23): Fraud | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974238 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-07-23): Hazard Insurance | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974241 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-07-23): Transmittal Summary | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974243 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-07-23): Tax Cert | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974244 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Preliminary Title not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-07-23): Title | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974246 |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: Right to Cancel (RTC) not provided |  | Right to Cancel not provided. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] provided<br>Seller Comment (2025-07-23): Notice of Right to Cancel | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974266 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-07-25): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-07-23): Please see Fraud Report uploaded today | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974277 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-07-25): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-07-23): Please see Title uploaded today, Final is not required pre purchase. | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974291 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | [Redacted] Constitution Section 50(a)(6): [Redacted] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  | Reviewer Comment (2025-07-28): Proof of receipt of the copies of the docs provided<br>Seller Comment (2025-07-23): Doc Receipt Acknowledgement | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974292 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) | [Redacted] Constitution Section 50(a)(6): Revised Notice Concerning Extensions of Credit not provided on [Redacted] Home Equity Loan made on or after[Redacted] as required by Section 50(g). | Revised Notice Concerning Extensions of Credit not provided on [Redacted] Home Equity Loan made on or after [Redacted] as required by Section 50(g). |  |  |  | Reviewer Comment (2025-07-28): Disclosure provided<br>Seller Comment (2025-07-23): Notice Concerning Extensions of Credit | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974293 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [Redacted] Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  | Reviewer Comment (2025-07-28): Disclosure provided<br>Seller Comment (2025-07-23): Fair Market Value | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974296 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-07-28): [Redacted] provided<br>Seller Comment (2025-07-23): Please see Notice of Right to Cancel uploaded today. | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974308 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application |  |  |  | Reviewer Comment (2025-07-24): [Redacted] received [Redacted] LE<br>Seller Comment (2025-07-23): Initial LEs | 07/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 33974335 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  | Reviewer Comment (2025-07-24): [Redacted] received [Redacted] LE<br>Seller Comment (2025-07-23): Appraisal Delivery Receipt | 07/24/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 34004662 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2025-07-28): IEAD provided<br>Seller Comment (2025-07-23): IEADS | 07/28/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 34004663 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [Redacted] Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation. | Unable to test refinance within twelve (12) month period due to missing Preliminary title documentation. |  |  |  | Reviewer Comment (2025-07-28): Prior loan was not a [Redacted] Cash Out Refi<br>Seller Comment (2025-07-23): Please see Title document uploaded today. | 07/28/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9198460 | [Redact] | [Redact] | 34004738 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-22): Sufficient Cure Provided At Closing |  | 07/22/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 34005116 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [Redacted] Constitution Section 50(a)(6): [Redacted] Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. | Borrower was not provided copy of Application 1 day prior to closing. |  |  |  | Reviewer Comment (2025-07-28): 1003 signed 1 day prior to closing provided<br>Seller Comment (2025-07-23): [Redacted]Hr Documentation | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 34030799 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on revised LE, and fee was disclosed in Section B, Non-shoppable. Changed circumstance did not speak to this increase for a valid reason. Provide additional information. Additionally, as there is evidence title fees were shoppable in Section C on final CD and paid to same provider, we would require an LOE or attestation from the lender indicating the placement of the title-lender title ins in Section B on the -[Redacted] & [Redacted] LE was an error and confirm the borrower was in fact permitted to shop for all title services. |  |  |  | Reviewer Comment (2025-08-13): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-08-12): PCCD Cure |  | 08/13/2025 |  | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9198460 | [Redact] | [Redact] | 34061301 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The [Redacted] provided has an expiration date that did not provide a full 3-day rescission. The transaction date is [Redacted] and the expiration date on the [Redacted] was [Redacted]. Rescission is required to be re-opened giving the borrowers a full 3 day rescission. |  |  |  | Reviewer Comment (2025-08-05): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Seller Comment (2025-08-05): Reopened recission |  | 08/05/2025 |  | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9198462 | [Redact] | [Redact] | 33671029 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9198462 | [Redact] | [Redact] | 34059157 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Business bank statement is not available for the month of [Redacted] from the account ending #[Redacted]. |  |  |  | Reviewer Comment (2025-08-05): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-08-04): [Redacted]: Please see attached document | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9198462 | [Redact] | [Redact] | 34059158 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Business bank statement is not available for the month of [Redacted] from the account ending #[Redacted]. |  |  |  | Reviewer Comment (2025-08-05): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-08-04): [Redacted]: Please see attached document | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9198462 | [Redact] | [Redact] | 34059161 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Exception has been already raised for Business bank statement is not available for the month of [Redacted] from the account ending #[Redacted]. |  |  |  | Reviewer Comment (2025-08-06): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-05): [Redacted]: Please see attached document | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9198462 | [Redact] | [Redact] | 34059691 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-08-12): Missing statement used to calculate the income was provided<br>Seller Comment (2025-08-11): [Redacted]: Can this condition be waived since all errors have been completed on this loan. | 08/12/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9198462 | [Redact] | [Redact] | 34059692 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-08-12): Missing statement used to calculate the income was provided<br>Seller Comment (2025-08-11): [Redacted]: Can this condition be waived since all errors have been completed on this loan. | 08/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9198462 | [Redact] | [Redact] | 34062654 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/28/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9198462 | [Redact] | [Redact] | 34068652 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file contained statements covering the periods from [Redacted]-[Redacted]. Missing the statement covering the period from [Redacted]-[Redacted]. |  |  |  | Reviewer Comment (2025-08-07): Received explanation letter stating it was a new account. Exception Cleared.<br>Seller Comment (2025-08-06): [Redacted]: Please see attached LOX that explains that the account just opened on [Redacted] so [Redacted] months of assets cannot be obtained.<br>Reviewer Comment (2025-08-05): The current statement only covers the period starting from [Redacted]. A complete statement for the entire month of [Redacted] is required. Exception Remains.<br>Seller Comment (2025-08-04): [Redacted]: Please see attached document | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9085353 | [Redact] |  | 33677870 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The Certificate of Good Standing is not dated, unable to determine if the document provided meets the guideline age requirement of [Redacted] days within the Note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] vs [Redacted] | [Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-05-14): Investor exception provided. Comp factors; [Redacted] months reserves, [Redacted] FICO.<br>Reviewer Comment (2025-04-24): Received<br>Reviewer Comment (2025-04-10): Document is dated [Redacted], which is after Note date of [Redacted]. Documents must be dated on or before Note date.<br>Buyer Comment (2025-04-04): Secretary of State |  |  | 05/14/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9085353 | [Redact] |  | 33677871 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to proceed with [Redacted] dated post-closing; [Redacted] Dated [Redacted]; Note dated [Redacted]. Compensating factors: [Redacted] months reserves and [Redacted] FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] vs [Redacted] | [Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-04-30): Investor accepts and agrees to waive with compensating factors. Compensating factors: [Redacted] months reserves and [Redacted] FICO.<br>Buyer Comment (2025-04-30): Ok per [[Redacted]]. Certificate of Good Standing was provided post closing and comp factors listed are acceptable. |  |  | 04/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9199412 | [Redact] | [Redact] | 33681581 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9199412 | [Redact] | [Redact] | 34113204 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. |  |  |  |  |  |  | 08/01/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9200289 | [Redact] | [Redact] | 33696802 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-25): [Redacted] tracking number | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9200289 | [Redact] | [Redact] | 34005510 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the taxes and insurance on the REO. |  |  |  | Reviewer Comment (2025-07-28): Received Tax Certificate and this is land property hence Insurance document not required. Exception Cleared.<br>Seller Comment (2025-07-25): tax statement - this is land so no HOI | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9200287 | [Redact] | [Redact] | 33696923 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9200287 | [Redact] | [Redact] | 34169862 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client Exception is provided and approved for '[Redacted] guidelines state properties less than [Redacted] square feet are ineligible, the subject is a [Redacted] sq foot condo' all [Redacted] comps are less than [Redacted] sq feet to support this is being common for market area. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves of [Redacted] months where [Redacted] is required ([Redacted]) | Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-11): Client elected to waive the condition with the following Compensating Factors:<br> LTV [Redacted] where [Redacted] is maximum<br> Reserves of [Redacted] months where [Redacted] is required ([Redacted])<br> [Redacted] of [Redacted] where [Redacted] is minimum |  |  | 08/11/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9201240 | [Redact] | [Redact] | 33716399 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-28): Waived on Rate Lock: Collateral cleared by Custodian | 08/28/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9201240 | [Redact] | [Redact] | 34271474 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted]([Redacted]). Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted]([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-08-22): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/22/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9201732 | [Redact] | [Redact] | 33716837 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 08/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9201731 | [Redact] | [Redact] | 33717192 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9202626 | [Redact] | [Redact] | 33719939 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-20): Tracking # [Redacted] | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 9202626 | [Redact] | [Redact] | 34203950 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 9203460 | [Redact] | [Redact] | 33724589 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203460 | [Redact] | [Redact] | 34013486 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify |  |  |  | Reviewer Comment (2025-08-07): Received updated 1003 and 1008. Exception Cleared.<br>Seller Comment (2025-08-06): updated 1008/1003<br>Reviewer Comment (2025-08-01): As per provided document & Divorce Decree property #[Redacted] was awarded to his ex wife but as per final 1003 on property reflecting expenses $[Redacted] hence required revised 1003 with no expenses. Exception Remains.<br>Seller Comment (2025-07-31): [Redacted] Response<br>Reviewer Comment (2025-07-29): As per final 1003, $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify. Required supporting document to verify expenses. Exception Remains.<br>Seller Comment (2025-07-28): Please see [Redacted], property owned free and clear | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203460 | [Redact] | [Redact] | 34013487 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify |  |  |  | Reviewer Comment (2025-08-07): Received updated 1003 and 1008. Exception Cleared.<br>Seller Comment (2025-08-06): Please see updated 1008/1003 provided today<br>Reviewer Comment (2025-08-01): Provided documents are not verifying $[Redacted]. Required supporting documents to verify other expenses $[Redacted] . Exception Remains.<br>Seller Comment (2025-07-31): Please see documentation provided today.<br>Reviewer Comment (2025-07-29): As per final 1003, $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify. Required supporting document to verify expenses. Exception Remains.<br>Seller Comment (2025-07-28): Please see [Redacted], property owned free and clear | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203460 | [Redact] | [Redact] | 34013488 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify |  |  |  | Reviewer Comment (2025-07-30): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-07-29): Final CD<br>Reviewer Comment (2025-07-29): As per final 1003, $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify. Required supporting document to verify expenses. Exception Remains.<br>Seller Comment (2025-07-28): Please see [Redacted], property owned free and clear | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203720 | [Redact] | [Redact] | 33725104 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203720 | [Redact] | [Redact] | 33994589 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing 1st mortgage statement to verify the PITIA |  |  |  | Reviewer Comment (2025-08-06): Received updated 1003 with revised expenses. Exception Cleared.<br>Seller Comment (2025-08-05): see attached revised 1003 and 1008<br>Reviewer Comment (2025-08-04): Required Mortgage statement to clear this condition. Exception Remains.<br>Seller Comment (2025-07-31): Please see attached email and LOE. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203720 | [Redact] | [Redact] | 33994592 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing 1st mortgage statement to verify the PITIA. |  |  |  | Reviewer Comment (2025-08-08): Received updated 1003 and 1008. Exception Cleared.<br>Seller Comment (2025-08-07): Please clear this the revised 1003 was provided on [Redacted] @[Redacted] . see #[Redacted] the property located on [Redacted] was ALREADY REMOVED<br>Reviewer Comment (2025-08-04): As per provided document & Divorce decree property #[Redacted] was awarded to his ex wife but as per final 1003 on property reflecting expenses $[Redacted] hence required revised 1003 with no expenses. Exception Remains.<br>Seller Comment (2025-07-31): Please see attached docs to Exception [Redacted] | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203720 | [Redact] | [Redact] | 34013492 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing documentation to verify the $[Redacted] other payments used to qualify. The T&I docs in file verified less than the loss the lender used to qualify |  |  |  | Reviewer Comment (2025-07-29): Received Closing Disclosure. Exception Cleared.<br>Seller Comment (2025-07-28): Final CD | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9203806 | [Redact] | [Redact] | 33725774 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-29): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9203806 | [Redact] | [Redact] | 34058981 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9203985 | [Redact] | [Redact] | 33727788 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): Any update on the note review?<br>Seller Comment (2025-08-06): Note tracking is [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9203985 | [Redact] | [Redact] | 34033427 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount(no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 07/27/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9203985 | [Redact] | [Redact] | 34033439 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] received valid Changed circumstance.<br>Seller Comment (2025-07-29): COC for the increase in Points due to Rate Lock Expiration changing and proof of COC and CD delivery to borrower. | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9203985 | [Redact] | [Redact] | 34033440 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-07-29): On the final CD in file under section J, a cure of $[Redacted] was provided for the increase in Credit Report fee. | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9203985 | [Redact] | [Redact] | 34046114 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The final closing statement for the sale of the borrower's REO with net proceeds of $[Redacted]. The closing statement provided isn't signed by the borrower or stamped by the title company as a final CD. |  |  |  | Reviewer Comment (2025-07-29): Received closing statement. Exception Cleared.<br>Seller Comment (2025-07-29): Final signed Closing Statement for Sale of REO | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9203985 | [Redact] | [Redact] | 34091851 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9204925 | [Redact] | [Redact] | 33732927 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-17): Waived on Rate Lock: Collateral cleared by Custodian | 07/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9204926 | [Redact] | [Redact] | 33732928 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-17): Waived on Rate Lock: Collateral cleared by Custodian | 07/17/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9204926 | [Redact] | [Redact] | 33923826 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-07-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9204926 | [Redact] | [Redact] | 33923829 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9205898 | [Redact] | [Redact] | 33747683 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by Custodian | 07/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9205898 | [Redact] | [Redact] | 33861300 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-07-09): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/09/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9205898 | [Redact] | [Redact] | 33861303 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  | Reviewer Comment (2025-08-07): [Redacted] received denial letter matching to earlier denied application for broker.<br>Seller Comment (2025-08-05): Please see attached Denial Letter<br>Reviewer Comment (2025-07-30): [Redacted] received rebuttal, however if previous loan with [Redacted] loan #[Redacted] is cancelled we need a letter of cancellation/denial letter for loan to re-evaluate. Please provide denial/cancellation letter.<br>Seller Comment (2025-07-29): Disagree - the loan application shows the broker is from [Redacted], as does page 3 of the Loan estimate. The lender was [Redacted] and the broker was [Redacted].<br>Reviewer Comment (2025-07-14): [Redacted] received appraisal transfer letter from [Redacted] to [Redacted]. But the 1003 in file dated [Redacted] is from [Redacted]. Also, if the previous loan is cancelled we need a letter of cancellation/denial letter for previous loan to re-consider the application date.<br>Seller Comment (2025-07-11): [Redacted] [Redacted] The Loan application was from a previous lender and was not on [Redacted] Docs. The Loan was transferred to [Redacted] on [Redacted] and the borrower signed the initial disclosures along with the Loan Application and Initial Loan estimate on [Redacted]. Please see attached Initial Loan app signed on [Redacted] and Transfer letter from the previous lender to [Redacted]. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9206080 | [Redact] | [Redact] | 33754047 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-20): The collateral was delivered [Redacted] via [Redacted] trk#[Redacted]. | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9206080 | [Redact] | [Redact] | 34213789 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9206121 | [Redact] | [Redact] | 33754406 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-31): Tracking # [Redacted] | 08/01/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9206121 | [Redact] | [Redact] | 34098479 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/30/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9158563 | [Redact] |  | 33754604 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Lender exception was approved at origination to allow LTV of [Redacted] with [Redacted] of [Redacted]. Subject without a long-term agreement is max is [Redacted]% (borrower going from a [Redacted] to [Redacted]). Compensating factors are long-term homeowner and experienced investor. | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [Redacted] Years of Experience. Currently holds [Redacted] Properties and has Completed [Redacted] Properties. | [Redact],Originator Pre-Close | Reviewer Comment (2025-06-17): Borrower's Experience/Track Record. The borrower has: [Redacted] Years of Experience. Currently holds [Redacted] Properties and has Completed [Redacted] Properties. Client elects to downgrade and waive. |  |  | 06/17/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9158563 | [Redact] |  | 33754606 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception was approved at origination to allow LTV of [Redacted] with [Redacted] of [Redacted]. Subject without a long-term agreement is max is [Redacted]% (borrower going from a [Redacted] to [Redacted]). Compensating factors are long-term homeowner and experienced investor. | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [Redacted] Years of Experience. Currently holds [Redacted] Properties and has Completed [Redacted] Properties. | [Redact],Originator Pre-Close | Reviewer Comment (2025-06-12): Borrower's Experience/Track Record. The borrower has: [Redacted] Years of Experience. Currently holds [Redacted] Properties and has Completed [Redacted] Properties. Client elects to downgrade and waive. |  |  | 06/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9208099 | [Redact] | [Redact] | 33763581 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-08): Waived on Rate Lock: Collateral cleared by Custodian | 08/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9208099 | [Redact] | [Redact] | 34146551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-20): [Redacted] received corrected PCCD and LOE<br>Seller Comment (2025-08-19): (Rate Lock) TRID | 08/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9208100 | [Redact] | [Redact] | 33763874 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian | 09/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9208100 | [Redact] | [Redact] | 34263905 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9208100 | [Redact] | [Redact] | 34263906 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9208107 | [Redact] | [Redact] | 33764757 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-07): Tracking # [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9208109 | [Redact] | [Redact] | 33765096 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-16): Waived on Rate Lock: Collateral cleared by Custodian | 07/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9208109 | [Redact] | [Redact] | 33924579 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/14/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9208135 | [Redact] | [Redact] | 33778841 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by Custodian | 07/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9208133 | [Redact] | [Redact] | 33778959 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9208133 | [Redact] | [Redact] | 34171166 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-08-13): Received Prepayment Note Addendum. Exception Cleared.<br>Seller Comment (2025-08-12): Please see the [Redacted] tracking information for the note and prepayment addendum. Per the [Redacted] Tracking the documents were delivered today. [Redacted] Tracking #[Redacted]<br>Seller Comment (2025-08-12): Please see the [Redacted] tracking information for the note and prepayment addendum. Per the [Redacted] Tracking the documents were delivered today. [Redacted] Tracking #[Redacted] | 08/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9209276 | [Redact] | [Redact] | 33787461 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-25): [Redacted]# [Redacted] for Note delivery | 08/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9209276 | [Redact] | [Redact] | 34259464 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing pages [Redacted] for the [Redacted] statement for account [Redacted]. |  |  |  | Reviewer Comment (2025-08-25): Received Bank statement. Exception Cleared.<br>Seller Comment (2025-08-22): [Redacted] [Redacted] [Redacted] Stmt - [Redacted] pages | 08/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9209276 | [Redact] | [Redact] | 34263215 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per the guidelines, [Redacted] months statements are required for all assets used in qualifying with [Redacted]. The file was missing all [Redacted] months statements for the following accounts: [Redacted] [Redacted], [Redacted], [Redacted], and [Redacted]; [Redacted] [Redacted]; [Redacted][Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-08-25): Received Bank statements. Exception Cleared.<br>Seller Comment (2025-08-22): [Redacted] [Redacted] = seasoned sourcing of [Redacted] [Redacted] (new acct). Per UW, full sourcing in file includes [Redacted] and [Redacted] [Redacted] ([Redacted] -[Redacted]).<br>Seller Comment (2025-08-22): Missing [Redacted] Accts: [Redacted] ([Redacted] -[Redacted] combined) and [Redacted] ([Redacted] -[Redacted] combined and [Redacted] -[Redacted] combined)<br>Seller Comment (2025-08-22): Missing [Redacted] Accts: [Redacted] ([Redacted]-[Redacted] combined) and [Redacted] ([Redacted] -[Redacted] combined and [Redacted] -[Redacted] combined) | 08/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9209276 | [Redact] | [Redact] | 34265005 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The file is missing a copy of the PPP Addendum to the Note |  |  |  | Reviewer Comment (2025-08-25): Received Note Addendum - Prepayment. Exception Cleared.<br>Seller Comment (2025-08-22): Prepayment Note Addendum | 08/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9211091 | [Redact] | [Redact] | 33787718 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-17): Waived on Rate Lock: Collateral cleared by Custodian | 07/17/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9211091 | [Redact] | [Redact] | 33890804 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9211091 | [Redact] | [Redact] | 33891088 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-08-22): Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form was provided<br>Seller Comment (2025-08-22): CT [Redacted]: Please see the attached remediation with proof of delivery //<br>Reviewer Comment (2025-08-05): The lender on the Note and the original lender of the prior mortgage is [Redacted]. This is a lender to lender refinance. Form H-9 was required to be used. Condition is valid and remains open<br>Seller Comment (2025-08-01): Disagree the prior loan was with [Redacted] and the lender on this loan at closing was[Redacted]. |  | 08/22/2025 |  | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| [Redact] | 9211092 | [Redact] | [Redact] | 33787719 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian | 08/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9211092 | [Redact] | [Redact] | 34110805 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 07/31/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9211092 | [Redact] | [Redact] | 34110807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-07-31): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/31/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9211092 | [Redact] | [Redact] | 34110809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-08-04): [Redacted] received [Redacted] CD 3 business days prior to consummation.<br>Seller Comment (2025-08-01): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted].<br>Seller Comment (2025-08-01): [Redacted] [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on[Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 08/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9211098 | [Redact] | [Redact] | 33788037 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9211098 | [Redact] | [Redact] | 33989157 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-09-03): Received 1040 Transcript. Exception Cleared.<br>Seller Comment (2025-08-29): attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9211098 | [Redact] | [Redact] | 33989253 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file was missing E-sign Consent Agreement. |  |  |  | Reviewer Comment (2025-07-29): Received E-sign consent agreement. Exception Cleared.<br>Seller Comment (2025-07-28): attached | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9211098 | [Redact] | [Redact] | 33989303 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/22/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220703 | [Redact] | [Redact] | 33788926 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220703 | [Redact] | [Redact] | 34179972 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | The file is missing a copy of the Appraisal Transfer Letter for the primary appraisal with an effective date of [Redacted]. |  |  |  | Reviewer Comment (2025-08-18): Lender rebuttal states initial appraisal not in the name of the lender on the note was not used to qualify. The appraisal and CDA in the name of the lender on the Note was used for qualification purposes<br>Seller Comment (2025-08-18): As stated prior, appraisal was not transferred. Please advise why a transfer letter is needed if the appraisal is for this loan.<br>Reviewer Comment (2025-08-15): Required Appraisal Transfer Letter to clear this condition. Exception Remains.<br>Seller Comment (2025-08-14): We did not proceed with a transferred appraisal we ordered a new on for our file. | 08/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220703 | [Redact] | [Redact] | 34179979 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220703 | [Redact] | [Redact] | 34188242 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an approved client exception in the file for the subject being an [Redacted] property [Redacted] [Redacted] acres. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves of [Redacted] months where [Redacted] months is required ([Redacted])<br>LTV [Redacted] where [Redacted] is maximum | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-08-12): Client elected to waive the condition with the following Compensating Factors:<br> LTV [Redacted] where [Redacted] is maximum<br> Net Savings [Redacted] <br> Reserves of [Redacted] months where [Redacted] months is required ([Redacted]) |  |  | 08/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220703 | [Redact] | [Redact] | 34188310 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final 1003 shows all of the borrower's REOs as their [Redacted] residence, the 1003 to be corrected to show the [Redacted] investments as investment properties. |  |  |  | Reviewer Comment (2025-08-15): Revised 1003 correcting the schedule of REO provided<br>Seller Comment (2025-08-14): Final 1003 | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9211447 | [Redact] | [Redact] | 33789207 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): (Rate Lock) [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9211451 | [Redact] | [Redact] | 33789327 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-16): Waived on Rate Lock: Collateral cleared by Custodian | 09/16/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9211453 | [Redact] | [Redact] | 33789527 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-31): Waived on Rate Lock: Collateral cleared by Custodian | 07/31/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9211453 | [Redact] | [Redact] | 34067650 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/29/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9211453 | [Redact] | [Redact] | 34067703 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of E-sign Consent Agreement. |  |  |  | Reviewer Comment (2025-08-01): Received E-sign consent agreement. Exception Cleared.<br>Seller Comment (2025-07-31): audit trail | 08/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9211453 | [Redact] | [Redact] | 34067709 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance Verification. |  |  |  | Reviewer Comment (2025-08-06): Received HOA document & updated 1003 with revised expenses. Exception Cleared.<br>Seller Comment (2025-08-05): I corrected the 1003 to match the tax bill and HOA<br>Reviewer Comment (2025-08-05): As per provided documents for property #[Redacted] there is no homeowners insurance however as per final 1003 total expenses $[Redacted]- $[Redacted] taxes still remaining $[Redacted] are not having supporting documents. Required HOA certificate or supporting documents for $[Redacted]. Exception Remains.<br>Seller Comment (2025-08-04): NO HOI for REO<br>Reviewer Comment (2025-08-01): Provided hazard insurance is for property #[Redacted]. Required Insurance Verification for property #[Redacted]. Exception Remains.<br>Seller Comment (2025-07-31): REO docs | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9211455 | [Redact] | [Redact] | 33790639 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-25): Note tracking is [Redacted] [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9211455 | [Redact] | [Redact] | 33947049 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. |  |  |  | Reviewer Comment (2025-07-23): Letter of Explanation, Proof of Delivery, and Re-opened Rescission provided<br>Reviewer Comment (2025-07-22): The transaction date was changed on the revised [Redacted] . Only the expiration date should be updated. Also, a letter of explanation sent to the borrower is required. Provide a revised [Redacted] on the correct form, giving the borrowers a new 3-day rescission and a copy of the LOE. The condition will be cured after the new rescission period expires.<br>Seller Comment (2025-07-21): [Redacted] |  | 07/23/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9211458 | [Redact] | [Redact] | 33791389 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-26): Tracking # [Redacted] | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9211458 | [Redact] | [Redact] | 34279021 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the HOA verification & Insurance Verification. |  |  |  | Reviewer Comment (2025-08-28): Received Tax certificate, Hazard Insurance & HOA certificate. Exception Cleared.<br>Seller Comment (2025-08-27): PITIA docs attached | 08/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9211458 | [Redact] | [Redact] | 34279036 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9211458 | [Redact] | [Redact] | 34279082 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-08-28): [Redacted] received e-consent dated [Redacted]<br>Seller Comment (2025-08-27): Please find econsent attached | 08/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9211458 | [Redact] | [Redact] | 34279083 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-08-29): Please see attached - lender credit was given on final CD | 09/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9211458 | [Redact] | [Redact] | 34335402 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9211462 | [Redact] | [Redact] | 33791400 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-04): (Rate Lock) [Redacted] | 09/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9211463 | [Redact] | [Redact] | 33791403 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9211463 | [Redact] | [Redact] | 34208189 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the guidelines, The documentation in file verified the members of the [Redacted] is the trust. Note: a lender exception is in file; however there is no client exception approval. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] LTV is [Redacted] below max ([Redacted]).<br>$[Redacted] post-close reserves ([Redacted] months or [Redacted]). | [Redact],Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-19): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]).<br> [Redacted] post-close reserves ([Redacted] months or [Redacted]).<br> Credit depth: [Redacted] year trade including [Redacted] - yr mtg history paid as agreed.<br>Seller Comment (2025-08-19): See attached Client Exception approval. Please clear |  |  | 08/19/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9211463 | [Redact] | [Redact] | 34208221 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file is missing a copy of the Flood Certificate. |  |  |  | Reviewer Comment (2025-08-19): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-08-18): See attached Flood Cert. Please cancel. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9211463 | [Redact] | [Redact] | 34208223 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of the Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-08-19): Received copy of the Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-08-18): See attached HOI policy for the subject property. Please cancel | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9213077 | [Redact] | [Redact] | 33796865 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-08): [Redacted] Tracking [Redacted] delivered [Redacted] | 07/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213077 | [Redact] | [Redact] | 33807058 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required Transcript ([Redacted]) or W-2 Transcript. |  |  |  | Reviewer Comment (2025-07-15): Received W-2 Transcript. Exception Cleared.<br>Seller Comment (2025-07-11): Tax Transcripts<br>Reviewer Comment (2025-07-02): The condition is valid. Per section [Redacted] of the guidelines, the W-2's, 1099's, and tax returns provided by an Applicant must be verified by the IRS. Tax or W2 transcripts are required to [Redacted]/[Redacted] W2's in file used to qualify. Condition is valid and remains open<br>Seller Comment (2025-07-02): Please cancel condition, as [Redacted] days consecutive paystubs, prior [Redacted] years W-2s, and written VOE were provided under standard documentation reoquirements. | 07/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213077 | [Redact] | [Redact] | 33808143 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing documentation to verify PITIA for first Mortgage and PITI for second mortgage. |  |  |  | Reviewer Comment (2025-07-02): CD from bridge loan verifying PITIA was provided<br>Seller Comment (2025-07-02): Mtg Stmts | 07/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213077 | [Redact] | [Redact] | 33809597 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Bridge Loan Closing Statement not provided. |  |  |  | Reviewer Comment (2025-07-02): CD from bridge loan verifying net proceeds was provided<br>Seller Comment (2025-07-02): bridge loan | 07/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 33801131 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-24): tracking [Redacted] POD | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 33972841 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  | Reviewer Comment (2025-07-28): Disclosure provided<br>Seller Comment (2025-07-24): Homeownership Counseling list | 07/28/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 33972843 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  |  |  | Reviewer Comment (2025-07-28): Disclosure provided<br>Seller Comment (2025-07-24): ARM Disclosure | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 33972844 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | The file was missing evidence the CHARM Booklet was provided to borrower within 3 days of initial application. |  |  |  | Reviewer Comment (2025-07-28): Disclosure provided<br>Seller Comment (2025-07-24): CHARM Booklet | 07/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 34005148 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Subject transaction does not meet the calculated cash due at closing. The provided approvals and AUS confirm the borrower was approved using the pending sale proceeds of an REO property as sufficient funds for cash to close. There is no documentation in file to confirm the sale of the property or the amount of the loan proceeds. |  |  |  | Reviewer Comment (2025-07-30): Received Closing Statement. Exception Cleared. | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 34005154 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provided credit report in file does not verify the payment includes escrow. Hazard insurance verification is required. |  |  |  | Reviewer Comment (2025-07-31): Mortgage statement confirmed T&I included in the payment<br>Reviewer Comment (2025-07-28): Insurance verfication still missing. Exception Remains.<br>Seller Comment (2025-07-24): REO docs for [Redacted] | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 34005366 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing required document for the pending sale of the borrower's REO property. Borrower's seller closing disclosure or funding worksheet is required to verify the amount of funds the borrower is receiving from the sale. |  |  |  | Reviewer Comment (2025-07-30): Received Closing Statement. Exception Cleared.<br>Seller Comment (2025-07-29): sale of present home docs | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 34065480 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of the loan becoming an ARM. | The disclosures provided were not provided within 3 business days of when the loan was changed to an ARM on [Redacted] |  |  |  | Reviewer Comment (2025-08-08): Disclosure and proof of receipt provided<br>Seller Comment (2025-08-06): Please see ARM disclosure that was sent on [Redacted].<br>Reviewer Comment (2025-08-05): As mentioned in the prior comments, the ACTUAL disclosure is required. Proof the disclosure was sent and the other documentation provided is not acceptable to clear the condition. Provide a copy of the Disclosure sent to the borrower(s) on [Redacted]. Condition is valid and remains open<br>Seller Comment (2025-08-01): proof<br>Reviewer Comment (2025-07-31): Proof of earlier delivery of the ARM Disclosure and CHARM Booklet provided; however a copy of the actual disclosures sent to the borrower(s) on [Redacted] are required to confirm the disclosures are compliant. Condition remains<br>Seller Comment (2025-07-29): ARM confirmation | 08/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213409 | [Redact] | [Redact] | 34065481 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing Testing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of the loan becoming an ARM. | The disclosures provided were not provided within 3 business days of when the loan was changed to an ARM on [Redacted] |  |  |  | Reviewer Comment (2025-08-08): Disclosure and proof of receipt provided<br>Seller Comment (2025-08-06): Please see ARM disclosure that was sent on [Redacted].<br>Reviewer Comment (2025-08-05): As mentioned in the prior comments, the ACTUAL disclosure is required. Proof the disclosure was sent and the other documentation provided is not acceptable to clear the condition. Provide a copy of the Disclosure sent to the borrower(s) on [Redacted]. Condition is valid and remains open<br>Seller Comment (2025-08-01): proof<br>Reviewer Comment (2025-07-31): Proof of earlier delivery of the ARM Disclosure and CHARM Booklet provided; however a copy of the actual disclosures sent to the borrower(s) on [Redacted] are required to confirm the disclosures are compliant. Condition remains<br>Seller Comment (2025-07-29): CHARM confirmation | 08/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9214117 | [Redact] | [Redact] | 33804032 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9214117 | [Redact] | [Redact] | 34154675 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 33808242 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-28): Waived on Rate Lock: Collateral cleared by Custodian | 08/28/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278464 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the hazard insurance & HOA document. |  |  |  | Reviewer Comment (2025-09-03): Documentation provided verifying the PITIA for the REO<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278467 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the hazard insurance & HOA document. |  |  |  | Reviewer Comment (2025-09-03): Documentation provided verifying the PITIA for the REO<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: No indication of HOA dues. HOI and taxes attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278469 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the hazard insurance & HOA document. |  |  |  | Reviewer Comment (2025-09-03): Documentation provided verifying the PITIA for the REO<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: No indication of HOA dues. HOI and taxes attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278470 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the hazard insurance & HOA document. |  |  |  | Reviewer Comment (2025-09-03): Documentation provided verifying the PITIA for the REO<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: No indication of HOA dues. HOI and taxes attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278471 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the hazard insurance & HOA document. |  |  |  | Reviewer Comment (2025-09-03): Documentation provided verifying the PITIA for the REO<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: No indication of HOA dues. HOI and taxes attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278475 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the hazard insurance & HOA document. |  |  |  | Reviewer Comment (2025-09-03): Documentation provided verifying the PITIA for the REO<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: No indication of HOA dues. HOI and taxes attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278479 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-03): Secondary valuation provided<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: attached | 09/03/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278483 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 08/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278497 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file is missing a copy of the Flood Certificate. |  |  |  | Reviewer Comment (2025-09-03): Flood Cert provided<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278498 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of the Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-09-03): HOI dec page provided<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: HOI and confirmation replacement cost is covered are attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278502 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided |  | The file is missing a copy of the Mortgage Loan Payoff Statement. Note: there were [Redacted] liens paid off on the CD; file is missing payoff statements for both liens. |  |  |  | Reviewer Comment (2025-09-03): Mortgage payoffs provided<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: Both payoffs attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278529 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278533 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278571 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient due to missing Declaration Page. |  |  |  | Reviewer Comment (2025-09-03): HOI provided<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: HOI and confirmation replacement cost is covered are attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214158 | [Redact] | [Redact] | 34278700 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9214158 | [Redact] | [Redact] | 34283057 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Transaction Error: Outstanding liens were not paid at closing. |  | The lien on title was not paid off on the final CD. There were [Redacted] liens paid off but they appear to be for other properties. The VOM in file verified the balance on the lien on the property was $[Redacted]; however a payoff statement was not provided. Unable to determine that the lien on title was paid off. |  |  |  | Reviewer Comment (2025-09-03): Payoff statements provided<br>Seller Comment (2025-09-03): [Redacted] [Redacted]: Both payoffs attached | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [Redact] | 9214160 | [Redact] | [Redact] | 33808280 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9214295 | [Redact] | [Redact] | 33808420 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9214547 | [Redact] | [Redact] | 33811806 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): (Rate Lock) [Redacted] | 08/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9214556 | [Redact] | [Redact] | 33812477 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): (Rate Lock) [Redacted] | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9215664 | [Redact] | [Redact] | 33817333 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-29): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9215973 | [Redact] | [Redact] | 33994162 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-24): Waived on Rate Lock: Collateral cleared by Custodian | 07/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9215976 | [Redact] | [Redact] | 33817905 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9215976 | [Redact] | [Redact] | 34150684 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an approved client exception in the file for the lender to use income from a business with less than a [Redacted]-year history. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | [Redacted] post-close reserves ([Redacted] months or [Redacted]).<br>[Redacted] DTI is [Redacted] below max ([Redacted]). | [Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-06): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] post-close reserves ([Redacted] months or [Redacted]).<br> [Redacted] DTI is [Redacted] below max ([Redacted]). <br> Credit depth: [Redacted]-year trade history and [Redacted]-year mtg history paid as agreed. |  |  | 08/06/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9216093 | [Redact] | [Redact] | 33819048 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9216089 | [Redact] | [Redact] | 33819049 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9216089 | [Redact] | [Redact] | 34047253 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/27/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9216089 | [Redact] | [Redact] | 34049132 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-07): Received Checklist of Coverage document. Exception Cleared.<br>Seller Comment (2025-08-06): [Redacted] tm: The checklist of coverage was provided because lenders are prohibited from requesting an RCE in [Redacted]. The loss settlement basis is the replacement cost confirming that the dwelling coverage provided at least fully covers the replacement cost. This is an acceptable alternative to an RCE on [Redacted] properties. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9216094 | [Redact] | [Redact] | 33819051 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian | 08/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9216094 | [Redact] | [Redact] | 34150652 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9216088 | [Redact] | [Redact] | 33819107 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-08-05): (Rate Lock) [Redacted] delivered [Redacted]<br>Seller Comment (2025-07-29): note tracking showing delivered [Redacted] uploaded. | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9216088 | [Redact] | [Redact] | 34019681 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-08-08): Rate lock provided<br>Seller Comment (2025-08-06): Rate Lock uploaded.<br>Reviewer Comment (2025-08-04): The [Redacted] report does not clearly identify the rate lock date. Condition remains<br>Seller Comment (2025-07-31): [Redacted] Report uploaded | 08/08/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9216099 | [Redact] | [Redact] | 33819169 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-05): [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9216099 | [Redact] | [Redact] | 34132262 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file does not contain the copy of the Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-08-06): Received HOI. Exception Cleared.<br>Seller Comment (2025-08-05): HOI | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9216101 | [Redact] | [Redact] | 33819245 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9216101 | [Redact] | [Redact] | 34133886 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9216108 | [Redact] | [Redact] | 33819379 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216108 | [Redact] | [Redact] | 34203334 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-19): [Redacted] received valid COC dated [Redacted]<br>Seller Comment (2025-08-18): On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $[Redacted]. Please see attached lock confirmation and Closing Disclosure. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9216108 | [Redact] | [Redact] | 34214801 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/15/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216844 | [Redact] | [Redact] | 33827380 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-02): (Rate Lock) [Redacted] | 10/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9216844 | [Redact] | [Redact] | 34612577 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client exception approval request to use [Redacted]% of business funds with borrower owning [Redacted]% with a non-borrowing spouse. The file is missing a copy of the fully executed client exception approval. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] LTV is [Redacted] below max ([Redacted]).<br>Job Stability: [Redacted] years self-employment.<br>[Redacted] DTI is [Redacted] below max ([Redacted]). | Originator Pre-Close,[Redact],Aggregator<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-10-07): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]). <br> [Redacted]DTI is [Redacted] below max ([Redacted]). <br> Job Stability: [Redacted] years self-employment.<br>Seller Comment (2025-10-03): Sent to [Redacted] - See attached client exception approval. Please clear. |  |  | 10/07/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9216849 | [Redact] | [Redact] | 33827788 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216849 | [Redact] | [Redact] | 34179990 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216849 | [Redact] | [Redact] | 34179991 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-08-17): Received Homeowner Counselling. Exception Cleared.<br>Seller Comment (2025-08-15): List of Homeownership Counseling Organizations | 08/17/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216849 | [Redact] | [Redact] | 34187551 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client approved Exception to allow subject's [Redacted]home. Similar [Redacted] home comps, low LTV, low DTI, [Redacted] months liquid reserves, $[Redacted] monthly residual income, [Redacted]% owner for [Redacted] years. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | [Redacted] LTV is [Redacted] below max ([Redacted]) | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-12): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted])<br> Log homes well supported in market area<br> Credit Depth: [Redacted] - year trade and [Redacted] - year mtg history paid as agreed |  |  | 08/12/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216849 | [Redact] | [Redact] | 34187875 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-17): Received E-Sign. Exception Cleared.<br>Seller Comment (2025-08-15): E-Sign Consent Agreement<br>Seller Comment (2025-08-15): E-Sign Consent Agreement<br> Disclosure Tracking | 08/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216855 | [Redact] | [Redact] | 33828743 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-24): see attached shipping information for collateral docs | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9216867 | [Redact] | [Redact] | 33828853 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9216867 | [Redact] | [Redact] | 34126683 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 08/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9216867 | [Redact] | [Redact] | 34126684 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9216867 | [Redact] | [Redact] | 34126687 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-02): Sufficient Cure Provided At Closing |  | 08/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9216867 | [Redact] | [Redact] | 34126688 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-02): Sufficient Cure Provided At Closing |  | 08/02/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9216872 | [Redact] | [Redact] | 33828854 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216872 | [Redact] | [Redact] | 34035501 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The final 1003 shows $[Redacted] in additional expenses for the REO, the credit report confirms that the taxes and HOI is included in the payment. Please provide documentation for the additional expenses. |  |  |  | Reviewer Comment (2025-08-07): Received revised 1003 & 1008. Exception Cleared.<br>Seller Comment (2025-08-06): [Redacted] [Redacted]: Please see attached documentation with updated PITIA for REO. HOA dues should be only additional expense which are attached. Property profile report verifies HOA name | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9216872 | [Redact] | [Redact] | 34036197 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9216872 | [Redact] | [Redact] | 34036206 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-29): [Redacted] received commentary and as per COC dated [Redacted].<br>Seller Comment (2025-07-28): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted]to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-07-28): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $[Redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-07-28): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $[Redacted] . Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9216872 | [Redact] | [Redact] | 34036207 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | The credit report fee was disclosed to the borrower on the LE as $[Redacted], however the final CD shows the fee as $[Redacted]. There was a lender credit to cover hte cost to cure. |  |  |  | Reviewer Comment (2025-07-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-07-28): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9216872 | [Redact] | [Redact] | 34069504 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-29): Sufficient Cure Provided At Closing |  | 07/29/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9216877 | [Redact] | [Redact] | 33829213 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-22): (Rate Lock) [Redacted] | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9217151 | [Redact] | [Redact] | 34110230 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-04): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9217151 | [Redact] | [Redact] | 34110251 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9217151 | [Redact] | [Redact] | 34160570 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Upon further review, the subject is located in a FEMA disaster area. Provide a post-disaster inspection dated after the disaster end date of [Redacted], verifying there was no damage. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | [Redact],Aggregator | Reviewer Comment (2025-08-14): Client elects to waive the condition based on the effective date of the appraisal being post-disaster but prior to the declared end date.<br>Seller Comment (2025-08-14): Please waive to [Redacted] grade. The appraisal and inspection l were done after declaration but prior to end date.<br>Reviewer Comment (2025-08-12): A post-disaster inspection is required, dated after the disaster end date of [Redacted]. The condition is valid and remains open<br>Seller Comment (2025-08-12): Per Announcement received by [Redacted] anything dated after [Redacted] does not need to be inspected again. Appraisal occurred on [Redacted] and Final Inspection occurred on [Redacted]. Please cancel. |  |  | 08/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 33835603 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126609 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of the E-Sign Consent Agreement. |  |  |  | Reviewer Comment (2025-08-06): Received E-Sign Consent Agreement. Exception Cleared.<br>Seller Comment (2025-08-05): Please find econsent attached | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126613 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-06): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-08-05): Data Verify to follow | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126615 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file is missing a copy of the Title Evidence. |  |  |  | Reviewer Comment (2025-08-07): Received Final Title Policy. Exception Cleared.<br>Seller Comment (2025-08-06): Final Title Policy attached | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126619 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-08-06): Received Fraud Report. Exception Cleared. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126620 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of the Hazard Insurance policy. |  |  |  | Reviewer Comment (2025-08-07): Received Hazard Insurance policy. Exception Cleared.<br>Seller Comment (2025-08-06): HOI to follow | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126621 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The file is missing a copy of the PUD Rider. |  |  |  | Reviewer Comment (2025-08-06): Received PUD Rider. Exception Cleared.<br>Seller Comment (2025-08-05): Please find PUD Rider attached | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126622 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a copy of the Tax Certificate. |  |  |  | Reviewer Comment (2025-08-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-08-26): (Rate Lock) Explanation for tax amount<br>Reviewer Comment (2025-08-22): Provided same tax bill however required supporting documentation for taxes $[Redacted] used to qualify. Exception Remains.<br>Seller Comment (2025-08-21): (Rate Lock) tax<br>Reviewer Comment (2025-08-07): As per the Tax Certificate, the total tax amount is $[Redacted] . However, the underwriter has considered $[Redacted] as the tax amount. Kindly provide the documentation or explanation detailing how the underwriter arrived at this calculation. Exception Remains.<br>Seller Comment (2025-08-06): Tax Cert to follow | 08/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126623 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | The file is missing a copy of the Title Preliminary. |  |  |  | Reviewer Comment (2025-08-07): Received Title Preliminary.. Exception Cleared.<br>Seller Comment (2025-08-06): Prelim title attached | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126624 |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: Right to Cancel (RTC) not provided |  | The file is missing a copy of the Right to Cancel (RTC). |  |  |  | Reviewer Comment (2025-08-08): [Redacted] provided<br>Seller Comment (2025-08-06): Right to Cancel to follow | 08/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | Yes |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126626 |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (2025-08-22): Post-close CD and final settlement statement provided verifying an updated disbursement date. | 08/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126628 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-08): IEAD provided<br>Seller Comment (2025-08-06): Initial Escrow Disc attached | 08/08/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9217157 | [Redact] | [Redact] | 34126629 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-08-08): [Redacted] provided<br>Seller Comment (2025-08-06): RTC to follow | 08/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| [Redact] | 9217157 | [Redact] | [Redact] | 34165797 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | [Redacted] provided; however the expiration date is the same date as the disbursement date on the final and post-close CD, [Redacted]. |  |  |  | Reviewer Comment (2025-08-22): Post-close CD and final settlement statement provided verifying an updated disbursement date.<br>Seller Comment (2025-08-21): (Rate Lock) PCCD | 08/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| [Redact] | 9217155 | [Redact] | [Redact] | 33835796 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-28): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9217155 | [Redact] | [Redact] | 34033153 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing copy of Insurance Verification. |  |  |  | Reviewer Comment (2025-07-30): As per Mortgage statement tax & insurance both are escrow hence insurance not required. Exception Cleared.<br>Seller Comment (2025-07-29): Please waive as mortgage statement indicates escrow for both taxes and insurance | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9217155 | [Redact] | [Redact] | 34033199 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9217161 | [Redact] | [Redact] | 33835994 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-04): (Rate Lock) [Redacted] | 08/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9217161 | [Redact] | [Redact] | 34109586 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-31): Sufficient Cure Provided At Closing |  | 07/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9217163 | [Redact] | [Redact] | 33836804 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-14): (Rate Lock) [Redacted] | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9217163 | [Redact] | [Redact] | 34191590 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-08-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9217163 | [Redact] | [Redact] | 34191593 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-09-03): Post-close CD and final settlement statement provided verifying an updated disbursement date.<br>Seller Comment (2025-09-02): delivery<br>Seller Comment (2025-09-02): see docs uploaded<br>Reviewer Comment (2025-08-27): Final settlement statement provided verifying an updated disbursement date; however a post-close CD matching the final settlement statement and a copy of the letter of explanation sent to the borrower is required. Condition remains<br>Seller Comment (2025-08-26): FINAL ALTA uploaded | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9213056 | [Redact] |  | 33851011 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-07-08): Initial and Final Grade [Redacted], accepted<br>Reviewer Comment (2025-07-08): waived in error<br>Reviewer Comment (2025-07-07): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/08/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9213019 | [Redact] |  | 33856956 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Upon further review, The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2025-07-08): Documentation from the seller confirming the condo is warrantable was provided.<br>Seller Comment (2025-07-08): Condo warranty | 07/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9213027 | [Redact] |  | 33849971 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9213041 | [Redact] |  | 33863574 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Comparable rent schedule verified market rent of $[Redacted] and lease verified $[Redacted]. Lender used rent of $[Redacted] to qualify. |  |  |  | Reviewer Comment (2025-07-11): Received Basement Units Lease agreement. Exception Cleared.<br>Seller Comment (2025-07-09): [Redacted] Calc and supporting docs | 07/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9198119 | [Redact] |  | 33854231 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9198119 | [Redact] |  | 33854232 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The file was missing a copy of the Right to Receive Copy of Appraisal |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9198119 | [Redact] |  | 33854233 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Missing Final HUD-1 Not Subject to APL Testing (Business Purpose Loan) | Missing Final HUD-1: Title Co. Closing Statement used to source fees. Investment occupancy with business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9198119 | [Redact] |  | 33854234 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than [Redacted] months. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9198119 | [Redact] |  | 33860633 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves: [Redacted] M > [Redacted] M min<br>FICO: [Redacted] > [Redacted] min | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-07-31): Client elected to waive the condition with the following compensating factors:<br> Reserves: [Redacted] M > [Redacted] M min<br> FICO: [Redacted] > [Redacted] min<br> LTV: [Redacted]% < [Redacted]% max<br>Seller Comment (2025-07-09): Insurance coverage insufficient by $[Redacted], this is a round off, plese waive off |  |  | 07/31/2025 | 2 C B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9198121 | [Redact] |  | 33958744 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Address: [Redacted] | The file was missing a copy of the Flood Certificate. |  |  |  | Reviewer Comment (2025-07-28): Received flood certificate. Exception Cleared.<br>Seller Comment (2025-07-24): flood cert uploaded | 07/28/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198121 | [Redact] |  | 33971830 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redacted] | The lease agreement provided doesn't state a monthly rent amount, there is only a security deposit amount listed on the lease agreement. |  |  |  | Reviewer Comment (2025-08-05): Received Lease Agreement. Exception Cleared.<br>Seller Comment (2025-08-04): Revised lease document has been uploaded. | 08/05/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198121 | [Redact] |  | 33971922 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Address: [Redacted] | The lease agreement provided doesn't state a monthly rent amount, there is only a security deposit amount listed on the lease agreement. |  |  |  | Reviewer Comment (2025-07-28): Received lease agreeent. Exception Cleared.<br>Seller Comment (2025-07-25): Lease with rent uploaded. Rent mentioned in page 7. | 07/28/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198125 | [Redact] |  | 33873252 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198125 | [Redact] |  | 33873253 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198125 | [Redact] |  | 33873254 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redact] Late Charge: Note grace period of [Redacted] days is less than the state minimum of [Redacted] days. | Note grace period of [Redacted] days is less than the state minimum of [Redacted] days. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198125 | [Redact] |  | 33873999 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate not provided. |  |  |  | Reviewer Comment (2025-07-29): Appraisal Report used as an alternative document for calculating Tax. Exception Cleared.<br>Seller Comment (2025-07-28): Tax value from the appraisal has been used for the qualification of the loan to have a conservaive [Redacted].<br> Tax value used $[Redacted]<br>Reviewer Comment (2025-07-28): Provided tax certificate reflecting taxes were less than actual taxes used to qualify. Exception Remains.<br>Seller Comment (2025-07-24): Tax cert uploaded | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198130 | [Redact] |  | 33875303 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/09/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198130 | [Redact] |  | 33875304 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198130 | [Redact] |  | 33875305 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Missing Final HUD-1 Not Subject to APL Testing (Business Purpose Loan) | Missing Final HUD-1: Title Co. Closing Statement used to source fees. Investment occupancy with business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198132 | [Redact] |  | 33876022 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/09/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198132 | [Redact] |  | 33876023 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy is missing in the file. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198138 | [Redact] |  | 33959405 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide a copy of the insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-30): RCE provided<br>Seller Comment (2025-07-30): RCE attached<br>Reviewer Comment (2025-07-29): The [Redacted] method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-07-29): Your calculation is wrong we require [Redacted]% of the total cost of the new amount as minimum coverage<br> Per appraisal $[Redacted] the [Redacted]% of RCE would be $[Redacted]. Coverage total is $[Redacted], which is well above our [Redacted]% requirement | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198138 | [Redact] |  | 33959453 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198138 | [Redact] |  | 33959454 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198146 | [Redact] |  | 33875436 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/09/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198146 | [Redact] |  | 33875437 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198148 | [Redact] |  | 33959872 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 07/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198148 | [Redact] |  | 33959873 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198157 | [Redact] |  | 33960923 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/18/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198157 | [Redact] |  | 33960924 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9198163 | [Redact] |  | 33983389 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198163 | [Redact] |  | 33983390 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198163 | [Redact] |  | 33983391 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redacted] Late Charge: Note grace period of [Redacted] days is less than the state minimum of [Redacted] days. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198163 | [Redact] |  | 34010371 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  | 07/23/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198164 | [Redact] |  | 33973185 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198164 | [Redact] |  | 33973186 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198164 | [Redact] |  | 33973187 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198164 | [Redact] |  | 33973188 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redacted] Late Charge: Note grace period of 10 days is less than the state minimum of [Redacted] days. | Note grace period of [Redacted] days is less than the state minimum of [Redacted] days. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198164 | [Redact] |  | 33994372 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Account Months Verified is less than [Redacted] months. Account Number ending [Redacted] (Provided most recent Statement ending [Redacted]). |  |  |  | Reviewer Comment (2025-08-22): Additional statement provided. New account opened [Redacted].<br>Seller Comment (2025-08-22): [Redacted] statement of [Redacted] #[Redacted] uploaded.<br>Reviewer Comment (2025-07-28): Required [Redacted] month statement for [Redacted] Account #[Redacted]. The file currently contains only the [Redacted] month account statement. Exception Remains.<br>Seller Comment (2025-07-25): Liquidity docs uploaded | 08/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198165 | [Redact] |  | 33966980 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Authorization to Obtain Consumer and Credit reports and release is not signed by borrowers. |  |  |  | Reviewer Comment (2025-07-29): Received Credit Authorization. Exception Cleared.<br>Seller Comment (2025-07-28): Credit authorization form has been uploaded | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9198165 | [Redact] |  | 33967017 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9198165 | [Redact] |  | 33967018 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9198165 | [Redact] |  | 33967019 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid<br>Reviewer Comment (2025-07-23): Investment occupancy business purpose loan to [Redacted] borrower. | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9198167 | [Redact] |  | 33969276 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 9198167 | [Redact] |  | 33969277 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A |  | N/A | No |
| [Redact] | 9198173 | [Redact] |  | 33940877 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/16/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198173 | [Redact] |  | 33940878 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198175 | [Redact] |  | 33977010 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-07-28): As per comment Article of Organization is valid for 1 year hence associated same . Exception Cleared.<br>Seller Comment (2025-07-25): Articles of Organization is valid for 1 year, please clear this exception. | 07/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198175 | [Redact] |  | 33977048 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 07/23/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198175 | [Redact] |  | 33977049 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The file was missing a copy of the Right to Receive Copy of Appraisal. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198175 | [Redact] |  | 33977050 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Missing Final HUD-1 Not Subject to APL Testing (Business Purpose Loan) | Missing Final HUD-1: Title Co. Closing Statement used to source fees. Investment occupancy with business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9198187 | [Redact] |  | 33968371 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 07/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198187 | [Redact] |  | 33968372 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9198191 | [Redact] |  | 33974967 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198191 | [Redact] |  | 33974968 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198191 | [Redact] |  | 33974969 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198191 | [Redact] |  | 33974970 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. | No prepayment penalties are permissible in the state of [Redacted]. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9198193 | [Redact] |  | 33971053 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/21/2025 | 2 B |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198193 | [Redact] |  | 33971054 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198193 | [Redact] |  | 33992875 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Fully executed Lease Agreement not provided. |  |  |  | Reviewer Comment (2025-07-28): Lease agreement not required in purchase. Exception Cleared.<br>Seller Comment (2025-07-24): Loan purpose is purchase, so no lease agreement. | 07/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9198207 | [Redact] |  | 33983431 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9198207 | [Redact] |  | 33983432 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9198207 | [Redact] |  | 33983433 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. | No prepayment penalties are permissible in the state of [Redacted]. |  |  |  | Reviewer Comment (2025-07-30): Client elected to update the profile and the condition is not longer valid | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9217421 | [Redact] | [Redact] | 33850857 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian | 08/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9217421 | [Redact] | [Redact] | 34143633 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9155768 | [Redact] |  | 33860156 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-11): Hazard insurance policy contains Replacement Cost Loss settlement on Dwelling up to Coverage A coverage. Exception Cleared.<br>Seller Comment (2025-07-09): HOI policy states replacement cost up to dwelling amount | 07/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9218028 | [Redact] | [Redact] | 33851575 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-20): (Rate Lock) Original Note delivered [Redacted] per [Redacted] [Redacted] | 08/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9218028 | [Redact] | [Redact] | 34216990 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrowers is not a [Redacted] and the guideline required documentation (Alien Registration Card or A Passport Stamped for [Redacted]) not provided. |  |  |  | Reviewer Comment (2025-08-27): Received updated 1003. Exception Cleared.<br>Seller Comment (2025-08-26): (Rate Lock) Please see attached corrected Final 1003 with Citizenship corrected. | 08/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9218028 | [Redact] | [Redact] | 34217055 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9218028 | [Redact] | [Redact] | 34217056 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file was missing a copy of the initial Rate Lock document. |  |  |  | Reviewer Comment (2025-08-25): Rate lock provided<br>Seller Comment (2025-08-25): (Rate Lock) Please see attached Pricing Verification | 08/25/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9218040 | [Redact] | [Redact] | 34173252 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-18): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 08/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9218035 | [Redact] | [Redact] | 33852364 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9218042 | [Redact] | [Redact] | 33853256 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9218072 | [Redact] | [Redact] | 33853482 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9218078 | [Redact] | [Redact] | 33854485 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-29): Waived on Rate Lock: Collateral cleared by Custodian | 07/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9218150 | [Redact] | [Redact] | 33854917 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9218150 | [Redact] | [Redact] | 34179915 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO. Unable to determine if the taxes and insurance are included in the payment disclosed on the credit report. |  |  |  | Reviewer Comment (2025-08-15): Received HOA, hazard insurance & Mortgage statement. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted] | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9218150 | [Redact] | [Redact] | 34179921 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/12/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9218150 | [Redact] | [Redact] | 34189554 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | There is evidence on the co-borrower's initial 1003 that they intend to occupy the property as their [Redacted] residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]% for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. |  |  |  | Reviewer Comment (2025-08-20): Client elected to waive the condition. The borrower provided an attestation confirming the 1003 was marked in error. All other documentation in file supports the occupancy of investment.<br>Reviewer Comment (2025-08-20): [Redacted] received borrower attestation of non-owner occupancy and file contains no other evidence of primary occupancy.<br>Seller Comment (2025-08-18): LOX |  |  | 08/20/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9218152 | [Redact] | [Redact] | 33855042 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9218152 | [Redact] | [Redact] | 34214322 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9218152 | [Redact] | [Redact] | 34214323 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9218152 | [Redact] | [Redact] | 34243727 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9218154 | [Redact] | [Redact] | 34122504 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not have a history of owning and managing a rental property for [Redacted] months in last [Redacted] years prior to note date and is considered a First Time Investor. Borrower is ineligible to use short term rental income from [Redacted]. Client made an exception, however a copy fully executed client approval was missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Reserves of [Redacted] [Redacted] the requirement in liquid format.<br>[Redacted] of [Redacted] where [Redacted] is minimum | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2025-08-13): Client elected to waive the condition with the following Compensating Factors:<br> Reserves of $[Redacted] 5X the requirement in liquid format.<br> [Redacted] of [Redacted] where [Redacted] is minimum<br> Strong Credit profile: No revolving debt. [Redacted] years mortgage history and [Redacted] years trade history paid as agreed.<br>Seller Comment (2025-08-13): See attached Client Exception approval added on exception #[Redacted]. Please cancel<br>Reviewer Comment (2025-08-08): The file is missing the client's exception approval. The lender's exception approval will not downgrade and waive the condition. Condition remains<br>Seller Comment (2025-08-06): See page [Redacted] in [Redacted] for exception approval. Please cancel. |  |  | 08/13/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9218154 | [Redact] | [Redact] | 34123204 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-04): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9218154 | [Redact] | [Redact] | 34123268 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | The file is missing a copy of the fully executed client exception approval. |  |  |  | Reviewer Comment (2025-08-13): Client exception approval provided<br>Seller Comment (2025-08-13): See attached Client Exception approval. Please cancel<br>Reviewer Comment (2025-08-07): Required Client Exception form to clear this condition. Exception Remains.<br>Seller Comment (2025-08-06): See page [Redacted] in [Redacted] for exception approval. Please cancel. | 08/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9218155 | [Redact] | [Redact] | 33855380 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-05): Waived on Rate Lock: Collateral cleared by Custodian | 08/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9218586 | [Redact] | [Redact] | 34173259 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9218586 | [Redact] | [Redact] | 34200612 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/14/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9218586 | [Redact] | [Redact] | 34205357 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument missing pages [Redacted] - [Redacted]of [Redacted]. |  |  |  | Reviewer Comment (2025-08-17): Received Security Instrument. Exception Cleared.<br>Seller Comment (2025-08-15): (Rate Lock) Complete [Redacted] | 08/17/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9218587 | [Redact] | [Redact] | 34173260 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9218589 | [Redact] | [Redact] | 33864796 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): See attached Please clear ASAP.<br>Seller Comment (2025-07-31): Please advise | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9218590 | [Redact] | [Redact] | 33864834 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): Tracking # [Redacted] | 08/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9218590 | [Redact] | [Redact] | 34189081 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. ([Redacted] [Redacted] |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9213020 | [Redact] |  | 33909292 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Buyer Comment (2025-07-13): Initial and Final Grade [Redacted], accepted. |  |  | 07/13/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9213020 | [Redact] |  | 33909294 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-07-16): CPA Letter provided. Exception cleared. | 07/16/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| [Redact] | 9213020 | [Redact] |  | 33909295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-07-16): CPA Letter provided. Exception cleared.<br>Seller Comment (2025-07-14): CPA Letter | 07/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9213020 | [Redact] |  | 33909296 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2025-07-16): CPA Letter provided. Exception cleared. | 07/16/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9213020 | [Redact] |  | 33909297 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] On LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-15): [Redacted] received a valid COC.<br>Seller Comment (2025-07-14): LE and CiC | 07/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9213020 | [Redact] |  | 33909753 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Personal Bank Statements and Not Business bank statements were used to qualify. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves on [Redacted] exceeds min required of [Redacted] months<br>[Redacted] FICO exceeds min required of [Redacted]. | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-07-14): Client elected to waive the condition with the following Compensating Factors:<br> Reserves on [Redacted] exceeds min required of [Redacted] months , [Redacted] FICO exceeds min required of [Redacted] . |  |  | 07/14/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9213051 | [Redact] |  | 33901755 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Buyer Comment (2025-07-13): Initial and Final Grade [Redacted], accepted. |  |  | 07/13/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9213069 | [Redact] |  | 33902354 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Buyer Comment (2025-07-13): Initial and Final Grade [Redacted], accepted. |  |  | 07/13/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9213069 | [Redact] |  | 33902358 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-11): Sufficient Cure Provided At Closing |  | 07/11/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9213065 | [Redact] |  | 33934909 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-07-18): Initial and Final Grade [Redacted], accepted<br>Reviewer Comment (2025-07-17): Document provided not within 3 business days of application date.<br>Seller Comment (2025-07-15): Right to Receive Copy of Appraisal |  |  | 07/18/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9220275 | [Redact] | [Redact] | 33867684 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9220275 | [Redact] | [Redact] | 34143850 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9220275 | [Redact] | [Redact] | 34143851 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9220275 | [Redact] | [Redact] | 34143852 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9220276 | [Redact] | [Redact] | 33867685 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9220276 | [Redact] | [Redact] | 34153276 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per the 1003 the borrowers just refinanced the REO, provide the final CD that shows the PITIA. |  |  |  | Reviewer Comment (2025-08-08): Received CD. Exception Cleared.<br>Seller Comment (2025-08-07): [Redacted] [Redacted]: please see attached | 08/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9220276 | [Redact] | [Redact] | 34153293 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9220276 | [Redact] | [Redact] | 34153309 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9220367 | [Redact] | [Redact] | 33868095 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9220367 | [Redact] | [Redact] | 34200668 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report document. |  |  |  | Reviewer Comment (2025-08-20): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-08-19): Fraud report | 08/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9220367 | [Redact] | [Redact] | 34200674 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-08-20): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-08-19): Fraud report | 08/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9220373 | [Redact] | [Redact] | 33868664 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-01): Tracking # [Redacted] | 08/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9220373 | [Redact] | [Redact] | 34109578 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-07-31): Sufficient Cure Provided At Closing |  | 07/31/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9220374 | [Redact] | [Redact] | 33868681 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): (Rate Lock) [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220376 | [Redact] | [Redact] | 33868705 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-22): (Rate Lock) [Redacted] | 09/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220376 | [Redact] | [Redact] | 34477391 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing a copy of Verification of Non-US Citizen Status |  |  |  | Reviewer Comment (2025-10-03): Received Employment Authorization. Exception Cleared.<br>Seller Comment (2025-10-02): See attached EAD. Please clear. | 10/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220376 | [Redact] | [Redact] | 34477399 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/16/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220376 | [Redact] | [Redact] | 34477400 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) |  |  |  | Reviewer Comment (2025-09-16): Client elected to waive the condition on the Non-QM 1st lien |  |  | 09/16/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9220378 | [Redact] | [Redact] | 34130351 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9220491 | [Redact] | [Redact] | 33875795 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian | 09/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9220491 | [Redact] | [Redact] | 34318403 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Property Inspection Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9220699 | [Redact] | [Redact] | 33876934 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-01): Waived on Rate Lock: Collateral cleared by Custodian | 09/01/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220699 | [Redact] | [Redact] | 34321074 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their [Redacted] residence in the declarations section of the initial 1003 |  |  |  |  |  |  | 08/28/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220774 | [Redact] | [Redact] | 33877887 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220774 | [Redact] | [Redact] | 34155917 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9220774 | [Redact] | [Redact] | 34155918 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9213012 | [Redact] |  | 33905573 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted] |  |  |  | Reviewer Comment (2025-07-29): Received bank statements. Exception Cleared.<br>Seller Comment (2025-07-28): asset docs | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213012 | [Redact] |  | 33905586 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-29): Received bank statements. Exception Cleared.<br>Seller Comment (2025-07-28): asset docs | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213012 | [Redact] |  | 33905604 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-07-29): Received bank statements. Exception Cleared. | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213012 | [Redact] |  | 33907659 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk |  |  |  | Reviewer Comment (2025-07-29): Received bank statements. Exception Cleared. | 07/29/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9213064 | [Redact] |  | 33903891 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-07-15): Received CD. Exception Cleared.<br>Seller Comment (2025-07-11): CD for [Redacted] | 07/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9213064 | [Redact] |  | 33903893 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Buyer Comment (2025-07-13): Initial and Final Grade [Redacted], accepted. |  |  | 07/13/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9213064 | [Redact] |  | 33904863 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final fully executed Closing Disclosure not provided |  |  |  | Reviewer Comment (2025-07-15): Received CD. Exception Cleared.<br>Seller Comment (2025-07-11): CD for [Redacted] | 07/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9213011 | [Redact] |  | 33902864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Origination Fee was last disclosed as $[Redacted] on LE then disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-15): [Redacted] Received Valid COC along with LE.<br>Seller Comment (2025-07-14): LE and CiC | 07/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9213022 | [Redact] |  | 33907475 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing credit report. |  |  |  | Reviewer Comment (2025-07-17): Received Credit Report. Exception Cleared.<br>Seller Comment (2025-07-15): credit | 07/17/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A B |  | N/A | No |
| [Redact] | 9213022 | [Redact] |  | 33907596 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Receipt of Appraisal after Waiver |  |  |  | Reviewer Comment (2025-07-17): Doc provided. Exception cleared.<br>Seller Comment (2025-07-15): Right to Receive Copy of Appraisal | 07/17/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | D A B |  | N/A | No |
| [Redact] | 9213042 | [Redact] |  | 33904035 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-07-16): Doc provided. Exception cleared.<br>Seller Comment (2025-07-14): right to receive appraisal | 07/16/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9213016 | [Redact] |  | 33904185 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file was missing evidence of title. |  |  |  | Reviewer Comment (2025-07-15): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-07-11): title | 07/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9213016 | [Redact] |  | 33904195 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-07-15): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-07-11): title | 07/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9213016 | [Redact] |  | 33904293 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2025-07-16): Doc provided. Exception cleared.<br>Seller Comment (2025-07-14): right to receive appraisal | 07/16/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| [Redact] | 9222259 | [Redact] | [Redact] | 33880008 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9222259 | [Redact] | [Redact] | 34044058 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-07-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 07/25/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9222259 | [Redact] | [Redact] | 34044062 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-05): [Redacted] provided<br>Seller Comment (2025-08-04): [Redacted]: Please see the attached [Redacted] | 08/05/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9222259 | [Redact] | [Redact] | 34044066 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided At Closing |  | 07/25/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9222259 | [Redact] | [Redact] | 34044068 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided At Closing |  | 07/25/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9222271 | [Redact] | [Redact] | 33880731 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-31): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-29): Tracking # [Redacted] | 07/31/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9239459 | [Redact] | [Redact] | 34173273 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9222445 | [Redact] | [Redact] | 33888950 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-03): proof of collateral shipment. | 08/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222445 | [Redact] | [Redact] | 34120525 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is not provided on the title preliminary document. |  |  |  |  |  |  | 08/01/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222444 | [Redact] | [Redact] | 33890611 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9222444 | [Redact] | [Redact] | 34168817 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9222444 | [Redact] | [Redact] | 34168825 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification is missing for the departure residence |  |  |  | Reviewer Comment (2025-08-22): Received revised 1003 with revised expenses. Exception Cleared.<br>Seller Comment (2025-08-21): [Redacted]: please see updated 1003<br>Reviewer Comment (2025-08-14): As per final 1003 total expenses is $[Redacted] however as per tax certificate & insurance document total verified amount $[Redacted]. Required supporting document for remaining amount $[Redacted]. Exception Remains.<br>Seller Comment (2025-08-13): [Redacted]: No indication of HOA dues | 08/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9222465 | [Redact] | [Redact] | 33892109 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-28): Tracking # [Redacted] | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9222465 | [Redact] | [Redact] | 34037279 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of Taxes and Insurance. |  |  |  | Reviewer Comment (2025-07-30): Received Taxes & Insurance documents. Exception Cleared.<br>Seller Comment (2025-07-29): REO Docs | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9222465 | [Redact] | [Redact] | 34040510 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-08-13): [Redacted] received statement of fee purpose.<br>Seller Comment (2025-08-12): Rebuttal | 08/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| [Redact] | 9222465 | [Redact] | [Redact] | 34040511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2025-08-13): [Redacted] received statement of fee purpose.<br>Seller Comment (2025-08-12): Rebuttal | 08/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| [Redact] | 9222479 | [Redact] | [Redact] | 33893282 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9222479 | [Redact] | [Redact] | 34152990 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9222479 | [Redact] | [Redact] | 34152993 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9222478 | [Redact] | [Redact] | 33893283 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9222478 | [Redact] | [Redact] | 34227860 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy has a coverage amount of $[Redacted] this is less than the note amount of $[Redacted] Please provide an updated title Commitment or final title. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9222478 | [Redact] | [Redact] | 34227875 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline state funds from business account may be used for down payment and reserves if the borrower is the sole owner of the company and company's CPA provides a statement indicating withdrawal of the funds will not negatively impact the business. Borrower's ownership of the business is [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] LTV is [Redacted] below max ([Redacted]). | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-08-18): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]).<br> [Redacted] REO equity.<br> Credit depth: [Redacted]-year trade history and [Redacted]-yr mtg history paid as agreed. |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9222480 | [Redact] | [Redact] | 33893284 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222480 | [Redact] | [Redact] | 34130221 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222480 | [Redact] | [Redact] | 34130286 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-08-18): Occupancy Cert provided; loan was tested as Exempt from ATR | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222480 | [Redact] | [Redact] | 34131058 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-18): Occupancy Cert provided; loan was tested as Exempt from ATR<br>Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9222480 | [Redact] | [Redact] | 34131059 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-18): Occupancy Cert provided; loan was tested as Exempt from ATR<br>Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9222480 | [Redact] | [Redact] | 34138059 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | The file is missing a fully executed copy of the Occupancy Cert or Business Purpose Cert confirming the investment occupancy to test the loan as Exempt. |  |  |  | Reviewer Comment (2025-08-18): Occupancy Cert provided; loan was tested as Exempt from ATR<br>Seller Comment (2025-08-15): [Redacted]: See attached affidavit of occupancy<br>Reviewer Comment (2025-08-08): In order to test the loan as Exempt, a fully executed Occupancy Cert verifying the occupancy of Investment or a Business Purpose Cert is required. Condition is valid and remains open. Note: if either doc cannot be provided, the loan will be subject to full ATR/TRID testing and additional conditions may apply.<br>Seller Comment (2025-08-06): [Redacted]: Business Purpose Certificate not required on consumer purpose loan | 08/18/2025 |  |  | 1 B A C |  | [Redact] | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9222485 | [Redact] | [Redact] | 33894395 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222485 | [Redact] | [Redact] | 34153394 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-08-13): 1040 transcript present for borrower. Exception Cleared.<br>Seller Comment (2025-08-12): [Redacted] was an [Redacted] created [Redacted] for the sole purpose of purchasing the subject property and taking title in the name of the [Redacted]. The loan program allows for title in name of the [Redacted]. There would be no returns or W-2s. Borrower qualified based on their income from [Redacted]<br>Seller Comment (2025-08-12): [Redacted]docs | 08/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222485 | [Redact] | [Redact] | 34154693 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | The Flood insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised Flood Insurance. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | [Redacted] LTV is [Redacted] below max ([Redacted]).<br>Job stability: [Redacted]years employer.<br>$[Redacted] post-close reserves ([Redacted] months or [Redacted]). | [Redact],Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-22): Client elected to waive the condition with the following compensating factors<br> [Redacted] LTV is [Redacted] below max ([Redacted]). <br> $[Redacted] post-close reserves ([Redacted]months or [Redacted]). <br> Job stability: [Redacted] years employer.<br>Reviewer Comment (2025-08-19): Flood insurance coverage must be effective on or before the loan closing/notarized date and prior to the disbursement date. This ensures compliance with Fannie Mae guidelines, which require flood insurance to be in force at the time of loan closing. Exception Remains.<br>Seller Comment (2025-08-18): That is incorrect. This was a mail away closing. The borrower signed docs on [Redacted] but the transaction wasn't finalized until [Redacted]. Insurance being effective on the disbursement date is a relatively standard procedure. The agent also confirmed that there haven't been any claims filed so this should not be an issue.<br>Reviewer Comment (2025-08-15): Required policy effective date from [Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-08-14): Insurance is effective [Redacted] because that is date borrower took ownership when deed was transferred.<br>Reviewer Comment (2025-08-13): Required flood policy effective on or before closing to clear this condition. Exception Remains.<br>Seller Comment (2025-08-12): Loan funded on [Redacted] |  |  | 08/22/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222485 | [Redact] | [Redact] | 34154747 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222485 | [Redact] | [Redact] | 34156733 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-08-13): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-12): [Redacted] statement | 08/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222485 | [Redact] | [Redact] | 34156734 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-08-13): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-12): [Redacted] statement | 08/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9226559 | [Redact] | [Redact] | 33906272 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9226559 | [Redact] | [Redact] | 34155455 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  |  |  | Reviewer Comment (2025-08-08): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-08-07): Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]. | 08/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9226559 | [Redact] | [Redact] | 34155457 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9226737 | [Redact] | [Redact] | 33908244 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-07): see attached proof of collateral delivery. | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9226737 | [Redact] | [Redact] | 34154188 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/06/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9226753 | [Redact] | [Redact] | 33910292 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-30): Waived on Rate Lock: Collateral cleared by Custodian | 07/30/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9226753 | [Redact] | [Redact] | 34045349 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance verification is missing for the property located at [Redacted] |  |  |  | Reviewer Comment (2025-09-04): Received revised 1003 and 1008 updating expenses and DTI. Exception Cleared.<br>Seller Comment (2025-09-03): [Redacted]: attached<br>Reviewer Comment (2025-08-28): Received hazard insurance policy. As per final 1003 total expenses $[Redacted] & total verified expenses $[Redacted]. Required supporting document for $[Redacted] or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-08-27): [Redacted]: attached | 09/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9226753 | [Redact] | [Redact] | 34045372 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/27/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9226753 | [Redact] | [Redact] | 34045426 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file does not contain the copy of the Tax certificate for the property address [Redacted] |  |  |  | Reviewer Comment (2025-08-07): The total tax amount has been calculated based on [Redacted] standard [Redacted]% tax rate. Exception Cleared.<br>Seller Comment (2025-08-06): [Redacted]: The taxes were verified in Schedule B on the preliminary title commitment. A separate tax cert is not required as the title company is a reliable source of information. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9226753 | [Redact] | [Redact] | 34045504 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] received COC dated [Redacted].<br>Seller Comment (2025-07-30): [Redacted] There was a [Redacted] on [Redacted] to update the sale price of the loan which caused the LTV to increase and price adjustors to change. A Closing disclosure went out to disclose the change. Please see attached [Redacted], Lock and final CD | 08/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9226753 | [Redact] | [Redact] | 34045505 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-07-28): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9226753 | [Redact] | [Redact] | 34050694 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 07/27/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9226753 | [Redact] | [Redact] | 34115102 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9226757 | [Redact] | [Redact] | 33910296 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian | 09/03/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9226757 | [Redact] | [Redact] | 34310070 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/27/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9226757 | [Redact] | [Redact] | 34311127 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure was provided at closing |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9226751 | [Redact] | [Redact] | 33910297 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9226751 | [Redact] | [Redact] | 34168708 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9226751 | [Redact] | [Redact] | 34169430 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 08/08/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9226754 | [Redact] | [Redact] | 33910298 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9226754 | [Redact] | [Redact] | 34194991 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-13): Sufficient Cure Provided At Closing |  | 08/13/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9226760 | [Redact] | [Redact] | 34094376 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 07/30/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9226760 | [Redact] | [Redact] | 34102160 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian | 08/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9227569 | [Redact] | [Redact] | 33911865 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9227569 | [Redact] | [Redact] | 34144821 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9227569 | [Redact] | [Redact] | 34144822 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  | Reviewer Comment (2025-08-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9227574 | [Redact] | [Redact] | 34173289 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9229952 | [Redact] | [Redact] | 33925243 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9229952 | [Redact] | [Redact] | 34143147 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9229952 | [Redact] | [Redact] | 34147528 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Other not provided |  | The file is missing the Simple Interest Addendum to the Note. Note: the Simple Interest Rider to the Deed of Trust was in file. |  |  |  | Reviewer Comment (2025-08-07): Received addendum. Exception Cleared.<br>Seller Comment (2025-08-07): attached | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9229979 | [Redact] | [Redact] | 33926819 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian | 09/03/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9229979 | [Redact] | [Redact] | 34303771 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/27/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9229979 | [Redact] | [Redact] | 34303772 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/27/2025 | 2 B |  | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9229979 | [Redact] | [Redact] | 34303775 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-26): Sufficient Cure Provided At Closing |  | 08/26/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9229979 | [Redact] | [Redact] | 34303776 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-26): Sufficient Cure Provided At Closing |  | 08/26/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9230075 | [Redact] | [Redact] | 33928551 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9230075 | [Redact] | [Redact] | 34129031 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing |  | 08/04/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9230075 | [Redact] | [Redact] | 34129032 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing |  | 08/04/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9230075 | [Redact] | [Redact] | 34130222 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9230075 | [Redact] | [Redact] | 34138084 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | The appraisal identified the subject as a SFR detached. However, there is a PUD Rider attached to the Deed of Trust. Provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-08-15): Revised appraisal provided correcting property type to PUD<br>Seller Comment (2025-08-14): [Redacted]: See attached updated appraisal<br>Reviewer Comment (2025-08-08): The revised appraisal is required as the property type must be consistent throughout the loan. Condition is valid and remains open<br>Seller Comment (2025-08-06): [Redacted]: While we agree the property is in a PUD, we don't agree that an appraisal update should be required. The title company confirmed the property is in a PUD and we provided HOA dues, so there is no need to have the appraiser revise the appraisal just to confirm this. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9230077 | [Redact] | [Redact] | 33928553 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9230077 | [Redact] | [Redact] | 34174137 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing a copy of Verification of Non-US Citizen Status |  |  |  | Reviewer Comment (2025-08-19): Received Passport. Exception Cleared.<br>Seller Comment (2025-08-18): [Redacted]: Please see attached document that shows borrower is a US Citizen. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9230630 | [Redact] | [Redact] | 34096793 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The file was missing HUD or CD. |  |  |  | Reviewer Comment (2025-08-05): Final Settlement statement provided<br>Seller Comment (2025-08-01): Settlement Statement | 08/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9230630 | [Redact] | [Redact] | 34096888 |  | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | Reviewer Comment (2025-08-05): Final Settlement statement provided<br>Seller Comment (2025-08-01): see uploaded | 08/05/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9230630 | [Redact] | [Redact] | 34098882 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-07-31): Tracking # [Redacted] | 08/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A C |  | N/A | No |
| [Redact] | 9230744 | [Redact] | [Redact] | 34142749 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-08): Waived on Rate Lock: Collateral cleared by Custodian | 08/08/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9230744 | [Redact] | [Redact] | 34143069 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9231309 | [Redact] | [Redact] | 33940537 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9231309 | [Redact] | [Redact] | 34279828 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided At Closing |  | 08/25/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9231304 | [Redact] | [Redact] | 33940541 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-28): Waived on Rate Lock: Collateral cleared by Custodian | 08/28/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9231304 | [Redact] | [Redact] | 34269938 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. However, there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9231304 | [Redact] | [Redact] | 34269939 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. However, there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9231307 | [Redact] | [Redact] | 34137955 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-06): Waived on Rate Lock: Collateral cleared by Custodian | 08/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9231311 | [Redact] | [Redact] | 34153925 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-15): (Rate Lock) [Redacted] | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9231406 | [Redact] | [Redact] | 34173726 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9231406 | [Redact] | [Redact] | 34182722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The file was missing Verification of Identification. |  |  |  | Reviewer Comment (2025-08-17): Received Patriot Act Identification. Exception Cleared.<br>Seller Comment (2025-08-15): Patriot Act | 08/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9231406 | [Redact] | [Redact] | 34182726 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Evidence of Title is missing. |  |  |  | Reviewer Comment (2025-08-17): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-08-15): Title | 08/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9231406 | [Redact] | [Redact] | 34182756 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-08-17): Received Title Commitment. Exception Cleared.<br>Seller Comment (2025-08-15): Please see Title report uploaded today | 08/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9231406 | [Redact] | [Redact] | 34182813 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9231406 | [Redact] | [Redact] | 34186304 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Blanket Condominium Insurance Policy not provided. |  |  |  | Reviewer Comment (2025-08-20): Received Master policy. Exception Cleared.<br>Seller Comment (2025-08-19): master policy | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9231407 | [Redact] | [Redact] | 33951221 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9231407 | [Redact] | [Redact] | 34154075 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted] % of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]% |  |  |  | Reviewer Comment (2025-08-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9231407 | [Redact] | [Redact] | 34154194 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) not provided. |  |  |  | Reviewer Comment (2025-08-11): Received 1008. Exception Cleared.<br>Seller Comment (2025-08-08): (Rate Lock) 1008 | 08/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9232764 | [Redact] | [Redact] | 34159286 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): (Rate Lock) [Redacted] | 08/14/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9213052 | [Redact] |  | 33983229 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/24/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9213067 | [Redact] |  | 33982747 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-23): Disclosure provided<br>Seller Comment (2025-07-22): Right to Receive Copy of Appraisal | 07/23/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9213036 | [Redact] |  | 33987487 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate not provided. |  |  |  | Reviewer Comment (2025-07-28): Received the Tax Certificate. The tax has been calculated using a rate of [Redacted] applied to the [Redacted] market value. Exception Cleared.<br>Seller Comment (2025-07-25): [Redacted] rate $[Redacted] %/[Redacted]=$[Redacted]/mos<br>Reviewer Comment (2025-07-23): The tax cert provided identified less taxes than the lender used to qualify. Provide documentation verifying the calculation of $[Redacted] per month used to qualify. Condition remains<br>Seller Comment (2025-07-22): tax cert | 07/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9213036 | [Redact] |  | 33987509 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-07-23): Disclosure provided<br>Seller Comment (2025-07-22): Right to Receive Copy of Appraisal | 07/23/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9213048 | [Redact] |  | 33982982 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-23): Disclosure provided<br>Seller Comment (2025-07-23): Right to Receive Copy of Appraisal | 07/23/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9232854 | [Redact] | [Redact] | 33952322 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9232854 | [Redact] | [Redact] | 34271417 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-08-28): W2 transcripts provided<br>Seller Comment (2025-08-28): attached<br>Reviewer Comment (2025-08-27): Tax transcripts for [Redacted] were received, but they are required for [Redacted]. Exception Remains.<br>Seller Comment (2025-08-26): attached | 08/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9232870 | [Redact] | [Redact] | 33959369 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian | 08/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9232870 | [Redact] | [Redact] | 34199870 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final Closing Disclosure/First Payment Letter not provided to verify the PITIA |  |  |  | Reviewer Comment (2025-08-15): Received Final Closing Disclosure/First Payment Letter. Exception Cleared.<br>Seller Comment (2025-08-14): Final CD and [Redacted] for REO - closed same day. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9233114 | [Redact] | [Redact] | 33959968 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9233114 | [Redact] | [Redact] | 34189083 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-08-20): Revised 1008 updating the qualifying rate and P&I provided<br>Seller Comment (2025-08-18): (Rate Lock) updated 1008 | 08/20/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9233114 | [Redact] | [Redact] | 34189084 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR result = Understated DTI | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not adhere with ATR payment calculation methods under [Redacted](c)(5), the method rendered a DTI less than that prescribed under ATR. | Per the guidelines, the Note Rate is the qualifying rate for [Redacted]; however the prescribed ATR qualification method is the Greater of the fully indexed rate at fully amortized payment or the note rate at fully amortized payment, resulting in a qualifying DTI of [Redacted]%. A revised 1008 updating the qualifying rate, DTI, and method will allow the condition to be cleared. |  |  |  | Reviewer Comment (2025-08-20): Revised 1008 updating the qualifying rate and P&I provided<br>Seller Comment (2025-08-18): (Rate Lock) updated 1008 | 08/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9233116 | [Redact] | [Redact] | 33960785 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9233116 | [Redact] | [Redact] | 34154571 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client exception approval in loan file for Identify of Interest transaction, borrower is purchasing home from ex-spouse. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more. | LTV of [Redacted] where [Redacted] is required<br>Post close assets: [Redacted] in [Redacted]where [Redacted] is required. ([Redacted]) | [Redact],Originator Pre-Close,Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-08-06): Client elect to waive with compensating factors:<br> LTV of [Redacted] where [Redacted] is required<br> Post close assets: [Redacted] in [Redacted] where [Redacted] is required. ([Redacted])<br> Credit Depth: [Redacted] years mortgage history [Redacted] years trade history all paid as agreed. |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9233119 | [Redact] | [Redact] | 33961062 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9233119 | [Redact] | [Redact] | 34141168 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9233127 | [Redact] | [Redact] | 33961065 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9233127 | [Redact] | [Redact] | 34232410 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9233125 | [Redact] | [Redact] | 33961066 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | A | Non QM | Non QM | No |
| [Redact] | 9233125 | [Redact] | [Redact] | 34264511 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9235848 | [Redact] | [Redact] | 34153701 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-08): (Rate Lock) [Redacted] | 08/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9213024 | [Redact] |  | 33982952 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Evidence of Title not provided. |  |  |  | Reviewer Comment (2025-07-23): Title commitment provided<br>Seller Comment (2025-07-22): title | 07/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A B |  | N/A | No |
| [Redact] | 9213024 | [Redact] |  | 33982959 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-07-23): Title commitment provided<br>Seller Comment (2025-07-22): title | 07/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A B |  | N/A | No |
| [Redact] | 9213024 | [Redact] |  | 33987793 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-07-23): Disclosure provided<br>Seller Comment (2025-07-22): Right to Receive Copy of Appraisal | 07/23/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | C A B |  | N/A | No |
| [Redact] | 9213049 | [Redact] |  | 33982951 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-07-23): Disclosure provided<br>Seller Comment (2025-07-23): Right to Receive Copy of Appraisal | 07/23/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9235862 | [Redact] | [Redact] | 33963338 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-20): Tracking # [Redacted] | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9235862 | [Redact] | [Redact] | 34215573 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9236111 | [Redact] | [Redact] | 33964332 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-18): (Rate Lock) Note tracking and bailee letter | 08/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9237052 | [Redact] | [Redact] | 34173318 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9237052 | [Redact] | [Redact] | 34239165 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Copy of Appraisal is not available in file. |  |  |  | Reviewer Comment (2025-08-22): Appraisal provided<br>Seller Comment (2025-08-22): Appraisal | 08/22/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9237052 | [Redact] | [Redact] | 34239171 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Copy of Appraisal is not available in file. |  |  |  | Reviewer Comment (2025-08-22): Appraisal provided<br>Seller Comment (2025-08-22): Please see appraisal uploaded today. | 08/22/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9237254 | [Redact] | [Redact] | 33979422 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-01): Waived on Rate Lock: Collateral cleared by Custodian | 09/01/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9237254 | [Redact] | [Redact] | 34303818 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Occupancy cert verified property would be primary |  |  |  |  |  |  | 08/26/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9237478 | [Redact] | [Redact] | 33980032 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9237478 | [Redact] | [Redact] | 34214670 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-18): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9237478 | [Redact] | [Redact] | 34214673 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9237482 | [Redact] | [Redact] | 33980549 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-04): Waived on Rate Lock: Collateral cleared by Custodian | 09/04/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 33981039 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-06): Tracking # [Redacted] | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34141250 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-08-11): Received (1040) Transcript. Exception Cleared.<br>Seller Comment (2025-08-08): Transcripts | 08/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34142662 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided |  | The file is missing a copy of the Mortgage Loan payoff Statement. |  |  |  | Reviewer Comment (2025-08-11): As per Divorce Decree section E the sum of $[Redacted] shall be paid by husband. Exception Cleared.<br>Seller Comment (2025-08-08): Please see pg [Redacted], section E of the [Redacted] line [Redacted]// item [Redacted] ordering payoff amount. | 08/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34142714 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34142717 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9237522 | [Redact] | [Redact] | 34145994 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34145995 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34145996 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34145997 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34145998 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34145999 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34146000 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237522 | [Redact] | [Redact] | 34146001 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file is missing the [Redacted] tax returns. Evidence of extension provided in file for [Redacted]. The file contained a copy of the [Redacted] and [Redacted] 1040's and business returns. |  |  |  |  |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9237523 | [Redact] | [Redact] | 34173329 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-13): (Rate Lock) [Redacted] | 08/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9237524 | [Redact] | [Redact] | 33981454 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9237524 | [Redact] | [Redact] | 34131267 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is not in images. |  |  |  | Reviewer Comment (2025-08-08): Received 442. Exception Cleared.<br>Seller Comment (2025-08-07): [Redacted]: attached | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9237524 | [Redact] | [Redact] | 34131272 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-08-04): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9237524 | [Redact] | [Redact] | 34131489 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing |  | 08/04/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9237524 | [Redact] | [Redact] | 34131490 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing |  | 08/04/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9237526 | [Redact] | [Redact] | 33981455 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9237526 | [Redact] | [Redact] | 34173110 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/08/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9213068 | [Redact] |  | 34056496 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The HOA questionnaire from the HOA is not acceptable. Documentation/Confirmation from the lender confirming the project is warrantable is required. Condition remains |  |  |  | Reviewer Comment (2025-07-29): Received Condo PUD Warranty Form. Exception Cleared.<br>Seller Comment (2025-07-28): Condo warranty | 07/29/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9237962 | [Redact] | [Redact] | 33991989 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9237962 | [Redact] | [Redact] | 34181963 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-25): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-08-22): Please see attached<br>Reviewer Comment (2025-08-19): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Exception Remains.<br>Seller Comment (2025-08-18): Please see attached | 08/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9237983 | [Redact] | [Redact] | 33993392 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-22): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-21): [Redacted] | 08/22/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9237983 | [Redact] | [Redact] | 34251878 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-08-29): Fed Ex, LOX, PCCD, Ck Copy, Tracking |  | 09/02/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9237983 | [Redact] | [Redact] | 34251934 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement document is missing in the file |  |  |  | Reviewer Comment (2025-08-21): E-consent provided<br>Seller Comment (2025-08-21): E Consent | 08/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9237983 | [Redact] | [Redact] | 34262131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-08-26): [Redacted] received disclosures summary, and the initial disclosures are sent via by [Redacted] mail.<br>Seller Comment (2025-08-25): Consent Tracking | 08/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9237987 | [Redact] | [Redact] | 34172674 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-11): (Rate Lock) [Redacted] | 08/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9237987 | [Redact] | [Redact] | 34180770 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Account was opened [Redacted] and deposits of $[Redacted] were made. Unable to determine the source of the deposits. |  |  |  | Reviewer Comment (2025-08-19): On [Redacted] loans Large deposits do not need to be sourced. Exception Cleared.<br>Seller Comment (2025-08-18): Per the [Redacted] for [Redacted] [Redacted] loans: Large deposits do not need to be sourced on purchase or refinance transactions. Please cancel | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9238168 | [Redact] | [Redact] | 33995803 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9238168 | [Redact] | [Redact] | 34252026 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 08/21/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9238167 | [Redact] | [Redact] | 33995804 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238167 | [Redact] | [Redact] | 34150931 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing a copy of the Tax Certificate. |  |  |  | Reviewer Comment (2025-08-22): Lender correspondence identified [Redacted]% of the sales price was used to calculate the taxes used to qualify, which is acceptable for new construction<br>Seller Comment (2025-08-22): [Redacted]: The taxes were updated to [Redacted]% of the purchase price which guidelines state are acceptable for new construction properties (you have already stated this was acceptable in previous response). There is not a tax cert to provide.<br>Reviewer Comment (2025-08-22): Tax certificate has been not uploaded in file. Required tax certificate with explanation detailing how the underwriter arrived at this calculation. Exception Remains.<br>Seller Comment (2025-08-21): [Redacted]: Please see updated documentation with [Redacted]% tax rate used<br>Reviewer Comment (2025-08-12): As per guideline we can used [Redacted]% of the sales price for tax calculation however underwriter used [Redacted]% of the sales price for tax calculation. Hence required documentation or explanation detailing how the underwriter arrived at this calculation. Exception Remains.<br>Seller Comment (2025-08-11): [Redacted]: This is an average tax rate that [Redacted] uses for all new construction properties in [Redacted], similar to how it is acceptable to use [Redacted]% for [Redacted] purchases. There is no documentation to provide.<br>Reviewer Comment (2025-08-11): As per comment underwriter used [Redacted]% of the sales price for tax calculation however documents are not available for calculation. Hence required documentation or explanation detailing how the underwriter arrived at this calculation. Exception Remains.<br>Seller Comment (2025-08-08): [Redacted]: The subject property is new construction. [Redacted] estimates taxes for new construction properties using [Redacted]% of the sales price. | 08/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238217 | [Redact] | [Redact] | 34153634 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9238217 | [Redact] | [Redact] | 34153659 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/06/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9238221 | [Redact] | [Redact] | 34173346 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-22): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9238221 | [Redact] | [Redact] | 34251448 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount. unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/20/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9238221 | [Redact] | [Redact] | 34251479 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 08/20/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9238223 | [Redact] | [Redact] | 33996698 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238223 | [Redact] | [Redact] | 34234197 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate was missing in the file. |  |  |  | Reviewer Comment (2025-08-21): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-08-20): (Rate Lock) flood cert | 08/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238223 | [Redact] | [Redact] | 34234204 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report was not provided in the file. |  |  |  | Reviewer Comment (2025-08-21): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-08-20): (Rate Lock) clearance<br>Seller Comment (2025-08-20): (Rate Lock) fraud and clearance | 08/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238223 | [Redact] | [Redact] | 34234221 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report was not provided in the file. |  |  |  | Reviewer Comment (2025-08-21): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-08-20): (Rate Lock) fraud and clearance | 08/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238223 | [Redact] | [Redact] | 34234259 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238223 | [Redact] | [Redact] | 34234260 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34006801 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181741 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181885 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the REO |  |  |  | Reviewer Comment (2025-08-15): Received CD. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted]: Please see attached document that show mortgage closed on [Redacted]. No mtg statement will be available. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181886 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the HOA and Insurance Verification for the REO |  |  |  | Reviewer Comment (2025-08-15): Property owned by business as per property history report. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted]: Please see open lien that show property is owned by borrowers [Redacted] | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181938 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file is missing a copy of bank statement for the month of [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted]: Please see attached [Redacted] statement | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181946 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file is missing a copy of bank statement for the month of [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted]: Please see attached [Redacted] statement | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181948 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of bank statement for the month of [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted]: Please see attached [Redacted] statement | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238548 | [Redact] | [Redact] | 34181950 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of bank statement for the month of [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-14): [Redacted]: Please see attached [Redacted] statement | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9238981 | [Redact] | [Redact] | 34011694 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-07): Waived on Rate Lock: Collateral cleared by Custodian | 08/07/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9238981 | [Redact] | [Redact] | 34140197 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/05/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9239001 | [Redact] | [Redact] | 34012121 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-03): (Rate Lock) [Redacted] | 09/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239001 | [Redact] | [Redact] | 34321883 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9239001 | [Redact] | [Redact] | 34335520 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client Approved Exception for Borrower having 4 [Redacted] with 3 in [Redacted] and 1 in [Redacted] from [Redacted] #[Redacted] - looking for exception to allow 4 [Redacted] in the most recent [Redacted] months with 3 being in the most recent [Redacted] months. [Redacted] guidelines allow 3 total [Redacted] in a 12 months period if there are 1 or more in the most recent 3 months. Borrower is qualifying with 2 separate business accounts and only one of them had [Redacted] - the other account did not have any [Redacted]. Per explanation from borrower, the latest [Redacted] occurrence on [Redacted] was miscommunication on when a check could be cashed and the other 3 were due to bookkeeping errors. All corrected the following day and borrower states they have made some accounting changes to ensure these issues do not happen again in the future. Cash out is being used for some repairs/maintenance and to increase current funds (reserves). | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] years homeownership<br>Job Stability: [Redacted] years current self-employment<br>[Redacted] LTV is [Redacted] below max ([Redacted]). | [Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-09-02): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]).<br> Job Stability: [Redacted] years current self-employment<br> [Redacted] years homeownership |  |  | 09/02/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239395 | [Redact] | [Redact] | 34173355 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-22): Waived on Rate Lock: Collateral cleared by Custodian | 08/22/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9239395 | [Redact] | [Redact] | 34248443 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/20/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9239398 | [Redact] | [Redact] | 34013126 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9239398 | [Redact] | [Redact] | 34212436 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9239398 | [Redact] | [Redact] | 34212456 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9239469 | [Redact] | [Redact] | 34020107 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-14): Waived on Rate Lock: Collateral cleared by Custodian | 08/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9239469 | [Redact] | [Redact] | 34185570 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9239633 | [Redact] | [Redact] | 34023113 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-14): (Rate Lock) [Redacted] | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9239641 | [Redact] | [Redact] | 34023498 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239641 | [Redact] | [Redact] | 34201666 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-21): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-08-20): [Redacted]: See attached RCE | 08/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239640 | [Redact] | [Redact] | 34023503 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9239640 | [Redact] | [Redact] | 34222776 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-18): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9239640 | [Redact] | [Redact] | 34222786 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9239639 | [Redact] | [Redact] | 34173366 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9239727 | [Redact] | [Redact] | 34032239 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239727 | [Redact] | [Redact] | 34235473 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9239909 | [Redact] | [Redact] | 34033985 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9240354 | [Redact] | [Redact] | 34154944 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-11): Waived on Rate Lock: Collateral cleared by Custodian | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9240359 | [Redact] | [Redact] | 34173372 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9240357 | [Redact] | [Redact] | 34173373 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9240368 | [Redact] | [Redact] | 34036313 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9240368 | [Redact] | [Redact] | 34214490 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9240372 | [Redact] | [Redact] | 34036366 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9240372 | [Redact] | [Redact] | 34268732 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The credit report fee was disclosed on the LE as $[Redacted], the final CD shows the fee as $[Redacted] however there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9240372 | [Redact] | [Redact] | 34268758 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file does not contain the copy of the Tax Verification for the REO. |  |  |  | Reviewer Comment (2025-08-28): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-08-27): [Redacted]: Tax bill with property profile attached. Legal description and alternate APN match the tax bill. | 08/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9240373 | [Redact] | [Redact] | 34036382 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240373 | [Redact] | [Redact] | 34210120 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240373 | [Redact] | [Redact] | 34210176 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9240373 | [Redact] | [Redact] | 34235361 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2025-08-22): As guideline for detached condo property project approval is not required. Exception Cleared.<br>Seller Comment (2025-08-21): [Redacted]: The appraisal confirms the subject is a detached condo. A project review is not a guideline requirement for detached condos. Please waive exception. | 08/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240374 | [Redact] | [Redact] | 34044848 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9240374 | [Redact] | [Redact] | 34342053 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9240375 | [Redact] | [Redact] | 34044849 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9240375 | [Redact] | [Redact] | 34214107 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-18): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9240375 | [Redact] | [Redact] | 34214114 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ <br> State: ___ | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-04): Received Final Title Policy. Exception Cleared.<br>Seller Comment (2025-09-03): [Redacted]- see attached | 09/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34050672 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-19): Waived on Rate Lock: Collateral cleared by Custodian | 08/19/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34205311 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/14/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34205348 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9240445 | [Redact] | [Redact] | 34205349 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Verification Of Employment Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9240445 | [Redact] | [Redact] | 34207662 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-08-17): Received Third Party Verification. Exception Cleared.<br>Seller Comment (2025-08-15): (Rate Lock) VVOE | 08/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34210991 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the other expenses of $[Redacted] for the departure residence that was disclosed on the final 1003. Unable to determine if this is taxes, insurance or HOA dues. |  |  |  | Reviewer Comment (2025-08-18): Documentation provided verifying the taxes on the primary<br>Seller Comment (2025-08-18): (Rate Lock) taxes | 08/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34210994 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The lender included the installment/auto loan of $[Redacted] from the DTI. The file is missing documentation to verify the exclusion. Note: if the debt is included in the liabilities, the DTI exceeds the guideline max. |  |  |  | Reviewer Comment (2025-08-18): Revised 1003 and DU provided; debt was included in the DTI and co-borrower's income was updated based on the docs in file<br>Seller Comment (2025-08-18): (Rate Lock) attached | 08/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34210997 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Condition will be cleared when all ATR/Guideline requirements are cleared |  |  |  | Reviewer Comment (2025-08-18): Revised 1003 and DU provided; debt was included in the DTI and co-borrower's income was updated based on the docs in file<br>Seller Comment (2025-08-18): (Rate Lock) attached | 08/18/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9240445 | [Redact] | [Redact] | 34210998 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The lender included the installment/auto loan of $[Redacted] from the DTI. The file is missing documentation to verify the exclusion. Note: if the debt is included in the liabilities, the DTI exceeds the guideline max. |  |  |  | Reviewer Comment (2025-08-18): Revised 1003 and DU provided; debt was included in the DTI and co-borrower's income was updated based on the docs in file<br>Seller Comment (2025-08-18): (Rate Lock) attached | 08/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240445 | [Redact] | [Redact] | 34211002 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The lender included the installment/auto loan of $[Redacted] from the DTI. The file is missing documentation to verify the exclusion. Note: if the debt is included in the liabilities, the DTI exceeds the guideline max. |  |  |  | Reviewer Comment (2025-08-18): Revised 1003 and DU provided; debt was included in the DTI and co-borrower's income was updated based on the docs in file<br>Seller Comment (2025-08-18): (Rate Lock) attached | 08/18/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9240455 | [Redact] | [Redact] | 34050701 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9240455 | [Redact] | [Redact] | 34253158 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $[Redacted] of title insurance coverage, however this is less than the loan amount of $[Redacted] . Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/20/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9240455 | [Redact] | [Redact] | 34253172 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-08-20): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/20/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9240454 | [Redact] | [Redact] | 34050702 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian | 09/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9240454 | [Redact] | [Redact] | 34307652 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-29): [Redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-08-28): [Redacted]: A tolerance credit in the amount of $[Redacted] for the appraisal fee was reflected on the final Closing Disclosure | 08/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9240454 | [Redact] | [Redact] | 34324226 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9240444 | [Redact] | [Redact] | 34050706 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9240444 | [Redact] | [Redact] | 34155243 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). |  |  |  | Reviewer Comment (2025-08-06): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/06/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9240448 | [Redact] | [Redact] | 34173385 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240448 | [Redact] | [Redact] | 34229731 |  | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines |  |  |  |  |  | Reviewer Comment (2025-08-24): Security instrument associated. Exception Cleared. | 08/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240448 | [Redact] | [Redact] | 34229737 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  |  |  |  |  | Reviewer Comment (2025-08-24): Security instrument associated. Exception Cleared.<br>Seller Comment (2025-08-22): [Redacted]: Unable to find a FNMA guideline or [Redacted] guideline requiring this, please clarify where this guidance is coming from. | 08/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240448 | [Redact] | [Redact] | 34229740 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  |  |  |  |  | Reviewer Comment (2025-08-22): Received Rider - 1-4 Family. Exception Cleared.<br>Seller Comment (2025-08-21): [Redacted]: See attached rider | 08/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240448 | [Redact] | [Redact] | 34236988 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided |  | The file is missing a copy of the prepayment penalty rider attached to the Mortgage. |  |  |  | Reviewer Comment (2025-08-28): Received prepayment rider. Exception Cleared.<br>Seller Comment (2025-08-28): [Redacted]- - see attached<br>Seller Comment (2025-08-28): [Redacted]- see attached | 08/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240763 | [Redact] | [Redact] | 34051931 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9240763 | [Redact] | [Redact] | 34224431 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-08-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/19/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9241118 | [Redact] | [Redact] | 34067554 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9241118 | [Redact] | [Redact] | 34179129 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-08-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/12/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9241118 | [Redact] | [Redact] | 34179154 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided At Closing |  | 08/11/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9241121 | [Redact] | [Redact] | 34067555 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9241121 | [Redact] | [Redact] | 34189534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-14): [Redacted] Received Valid COC dated [Redacted].<br>Seller Comment (2025-08-13): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go to -[Redacted]% or -$[Redacted]. On [Redacted] a Loan Estimate went out to the borrower to redisclose. Please see attached Loan Estimate, rate lock confirmation forms, and Change of Circumstance form. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9241121 | [Redact] | [Redact] | 34189535 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-08-13): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee.<br>Seller Comment (2025-08-13): Disregard previous comment it was meant for Loan Exception ID [Redacted]<br>Seller Comment (2025-08-13): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go to -[Redacted] % or -$[Redacted]. On [Redacted] a Loan Estimate went out to the borrower to redisclose. Please see attached Loan Estimate, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-08-13): On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go to -[Redacted]% or -$[Redacted]. On [Redacted] a Loan Estimate went out to the borrower to redisclose. Please see attached Loan Estimate, rate lock confirmation forms, and Change of Circumstance form. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9241121 | [Redact] | [Redact] | 34204710 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9241120 | [Redact] | [Redact] | 34067556 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9241120 | [Redact] | [Redact] | 34273530 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-25): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/25/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9241315 | [Redact] | [Redact] | 34068641 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9241315 | [Redact] | [Redact] | 34251794 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 08/21/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9241315 | [Redact] | [Redact] | 34251811 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9242565 | [Redact] | [Redact] | 34084992 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-22): Tracking # [Redacted] | 08/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242565 | [Redact] | [Redact] | 34261833 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242565 | [Redact] | [Redact] | 34261834 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9242565 | [Redact] | [Redact] | 34261873 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-08-28): Received Initial 1003. Exception Cleared.<br>Seller Comment (2025-08-27): Initial 1003 | 08/28/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242565 | [Redact] | [Redact] | 34266110 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The final 1003 identified the primary employment as a business that is not verified in file. The business tax returns and personal tax returns identified a different business. Provide a revised 1003 with the correct primary employment or income docs for the other business not verified in file. |  |  |  | Reviewer Comment (2025-09-03): Business are same as per business entity lisiting. Exception Cleared.<br>Seller Comment (2025-08-29): Please see [Redacted] Entity Information printout [Redacted] previously provided, [Redacted] was previously [Redacted]. Businesses are one and the same. | 09/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34088992 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-22): Waived on Rate Lock: Collateral cleared by Custodian | 08/22/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34237937 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-09-03): Received fraud report. Exception Cleared.<br>Seller Comment (2025-08-29): Fraud Report | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34237941 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud Report. |  |  |  | Reviewer Comment (2025-09-03): Received fraud report. Exception Cleared.<br>Seller Comment (2025-08-29): see uploaded | 09/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34237996 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34237997 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/19/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34237999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] received initial CD.<br>Seller Comment (2025-08-29): initial cd | 09/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9242728 | [Redact] | [Redact] | 34238018 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] received e-consent document<br>Seller Comment (2025-08-29): signed Cd | 09/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242735 | [Redact] | [Redact] | 34089844 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242735 | [Redact] | [Redact] | 34274355 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-08-28): Received Project Approval. Exception Cleared.<br>Seller Comment (2025-08-27): [Redacted] tm: attached | 08/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242840 | [Redact] | [Redact] | 34091239 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian | 09/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9242840 | [Redact] | [Redact] | 34323218 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report was missing in the file. |  |  |  | Reviewer Comment (2025-09-04): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-09-03): Fraud Report and Alert clearance docs | 09/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9242840 | [Redact] | [Redact] | 34323245 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report was not provided in the file. |  |  |  | Reviewer Comment (2025-09-04): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-09-03): Fraud Report and Alert clearance docs | 09/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9242927 | [Redact] | [Redact] | 34099945 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-15): Waived on Rate Lock: Collateral cleared by Custodian | 08/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242927 | [Redact] | [Redact] | 34182385 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/12/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9242927 | [Redact] | [Redact] | 34182435 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-08-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/12/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9242927 | [Redact] | [Redact] | 34182440 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee was last disclosed to the borrower on the LE as $[Redacted] the final CD shows the fee as $[Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-15): [Redacted] received valid Changed circumstance.<br>Seller Comment (2025-08-14): COC disclosed to [Redacted] | 08/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9242929 | [Redact] | [Redact] | 34173403 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9242929 | [Redact] | [Redact] | 34205832 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/14/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9242937 | [Redact] | [Redact] | 34101199 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9242937 | [Redact] | [Redact] | 34213846 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9242942 | [Redact] | [Redact] | 34173409 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9242941 | [Redact] | [Redact] | 34101476 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-03): note tracking [Redacted] | 09/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242941 | [Redact] | [Redact] | 34325182 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Mortgage Statement to verify PITI. |  |  |  | Reviewer Comment (2025-09-07): Received CD. Exception Cleared.<br>Seller Comment (2025-09-05): NEW LOAN CD 1ST PAY LTR<br>Seller Comment (2025-09-05): NEW MORTGAGE DOCS FUNDED [Redacted] MRTG STMT NOT YET AVAILABLE<br>Reviewer Comment (2025-09-04): Provided document does not verify that mortgage is free and clear. Please provide payoff statement and updated 1008/1003 if mortgage is free and clear. Exception Remains.<br>Seller Comment (2025-09-03): NO MORTGAGE BOUGHT FREE AND CLEAR [Redacted] | 09/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242941 | [Redact] | [Redact] | 34325190 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/29/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242954 | [Redact] | [Redact] | 34102083 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian | 10/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242954 | [Redact] | [Redact] | 34631763 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/02/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9140987 | [Redact] |  | 34110363 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation for [Redacted] is missing in file. |  |  |  | Reviewer Comment (2025-05-20): Received Articles of Organization. Exception Cleared<br>Buyer Comment (2025-05-19): Articles of organization | 05/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110364 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing for [Redacted] is missing in file |  |  |  | Reviewer Comment (2025-05-20): Received Certificate of Good standing. Exception Cleared<br>Buyer Comment (2025-05-19): Certificate of good standing | 05/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110366 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement for [Redacted] is missing in file |  |  |  | Reviewer Comment (2025-05-21): Operating agreement provided.<br>Buyer Comment (2025-05-19): Operating agreement | 05/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110367 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Asset available is $[Redacted] and Cash to close requirement is $[Redacted] and Reserve requirement is $[Redacted] Therefore Additional Asset is required for cash to close and Reserve Requirement. Stocks, stock options, bonds, and mutual funds. Stocks and bonds will be discounted at [Redacted]% of value for reserves- per guidelines. |  |  |  | Reviewer Comment (2025-06-23): See new exception as a result of numerous re-calculations from post review documentation provided.<br>Reviewer Comment (2025-06-17): We do not know the value as of[Redacted], there was a large [Redacted] wire into that account on [Redacted] that is unsourced. Hence why we used the [Redacted] balances effective [Redacted]/ [Redacted] before the $[Redacted] deposit wire into this account . Also borrower divested numerous stocks and securities in order to get to the $[Redacted] wire to closing. Since there is no balance effective [Redacted] we are unable to ascertain if withholdings were made for IRS purposes etc. Source the large $[Redacted] deposit on [Redacted]. We cannot assume a $[Redacted] balance remained after divesting of securities.<br>Buyer Comment (2025-06-17): see lender comment<br>Reviewer Comment (2025-06-17): Please confirm the balance of assets as of closing [Redacted] for further review.<br>Buyer Comment (2025-06-17): per lender: On this file I am looking and the purchases below are for CD's and [Redacted]. Even at [Redacted]% (CD's are cash) shouldn't this be enough money in the account?<br>The purchases are not an actual "expense" but a purchase of more CD's and [Redacted].<br>Reviewer Comment (2025-06-16): Qualifying asset as of [Redacted] ([Redacted] [Redacted]) $[Redacted] (includes $[Redacted] EMD). Statement ending [Redacted] reflects available funds $[Redacted]. required reserves $[Redacted] which is insufficient to cover the reserves required additional asset to meet the reserves requirement. exception remains.<br>Buyer Comment (2025-06-12): Statement<br>Reviewer Comment (2025-06-12): Based on new [Redacted] statements . Review re-calculated and used $[Redacted] [Redacted] disbursement + EMD $[Redacted] = $[Redacted] total assets. It is unknown if there are any assets remaining in [Redacted] as of [Redacted] that can be included as it was not provided. Cash to close including POCBS was [Redacted]. Slightly insufficient to cover cash to close and $[Redacted] remaining for reserves. Provide [Redacted] balance after $[Redacted] disbursement effective [Redacted] for furter testing.<br>Buyer Comment (2025-06-12): Email sent<br>Reviewer Comment (2025-06-04): Noted Fund has been Liquidated and made payment of $[Redacted] on closing date [Redacted]. however Total asset require for cash to close and Reserve per Audited review = Cash to close $[Redacted] + EMD $[Redacted] + POCB $[Redacted] + Reserve $[Redacted] = $[Redacted] whereas after Stock liquidated and making payment of $[Redacted] + EMD $[Redacted] ([Redacted]) from Stock account # [Redacted] unable to ascertain remaining balance as of closing date [Redacted] of account # [Redacted] to verify remaining asset requirement of $[Redacted]<br>Buyer Comment (2025-06-03): [Redacted]b [Redacted]<br>Buyer Comment (2025-06-03): [Redacted]-[Redacted]<br>Buyer Comment (2025-06-03): See attached Lender Cert along with [Redacted]t [Redacted] statement along with printouts. Since he used all the funds from [Redacted] account [Redacted], I don't think the calculation of the [Redacted]% matters anymore. I understand they use [Redacted]% of the amount when the money is still invested in [Redacted], but once the borrower redeems the funds they become liquid assets, and we can use everything. | 06/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110368 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Stocks, stock options, bonds, and mutual funds. Stocks and bonds will be discounted at [Redacted]% of value for reserves- per guidelines |  |  |  | Reviewer Comment (2025-06-23): The [Redacted] of our assets depicted below in your email was revised on [Redacted] when [Redacted] [Redacted] statement was subsequently provided and lender stated all assets in [Redacted] were liquidated. We never received a new balance as of [Redacted] closing date nor does [Redacted] MTD reflect the securities were ever liquidated so we were never able to ascertain actual balances as of [Redacted]. So, I have reset our [Redacted] based on the [Redacted] ending balances. The [Redacted] to [Redacted] journal entries on doc [Redacted] show nothing of relevance other than an unsourced deposit of $[Redacted] on [Redacted] we will not consider. The incidental fees and the [Redacted] CD's [Redacted] and $[Redacted] which were already considered in the fixed assets and set to mature in April. Remaining securities haircut to [Redacted]% per guides as no evidence of liquidity in [Redacted]. <br>After re-calculation net assets set at $[Redacted] which is sufficient to cover the cash to close issue.<br>Buyer Comment (2025-06-17): per lender: It appears that they had $[Redacted] in cash per the statement in the file at the end of the month - That is just cash. They also purchased several CD's.<br>The beginning value on [Redacted]was $[Redacted]<br>Withdrew $[Redacted] on [Redacted]<br>That right there leaves $[Redacted] on [Redacted](Which is in line with the month end balance as they had some minor transfer fees) There are no other withdrawals on that day only one CD that matured.<br>Reviewer Comment (2025-06-17): Please confirm the balance of assets as of closing [Redacted] for further review.<br>Buyer Comment (2025-06-13): Please see Guideline Requirement exception for [Redacted] statement upload<br>Buyer Comment (2025-06-12): Please see Guideline Requirement exception for [Redacted] statement upload<br>Reviewer Comment (2025-06-12): Updated: Based on new [Redacted] statements . Review re-calculated and used $[Redacted] [Redacted] disbursement + EMD $[Redacted] = $[Redacted] total assets. It is unknown if there are any assets remaining in [Redacted] as of [Redacted] that cab be included as it was not provided. Cash to close including POCBS was [Redacted]. Slightly insufficient to cover cash to close and $[Redacted] remaining for reserves. Provide [Redacted] balance after $[Redacted] disbursement effective [Redacted] for furter testing.<br>Reviewer Comment (2025-06-04): Noted Fund has been Liquidated and made payment of $[Redacted] on closing date [Redacted]. however Total asset require for cash to close and Reserve per Audited review = Cash to close $[Redacted] + EMD $[Redacted] + POCB $[Redacted] + Reserve $[Redacted] = $[Redacted] whereas after Stock liquidated and making payment of $[Redacted] + EMD $[Redacted] ([Redacted]) from Stock account # [Redacted] unable to ascertain remaining balance as of closing date [Redacted] of account # [Redacted] to verify remaining asset requirement of $[Redacted]<br>Buyer Comment (2025-06-03): [Redacted] [Redacted]<br>Buyer Comment (2025-06-03): [Redacted]-[Redacted]<br>Buyer Comment (2025-06-03): Lender's response: See attached Lender Cert along with [Redacted] [Redacted] statement along with printouts. Since he used all the funds from [Redacted] account [Redacted], I don't think the calculation of the [Redacted]% matters anymore. I understand they use [Redacted]% of the amount when the money is still invested in stocks, but once the borrower redeems the funds they become liquid assets, and we can use everything. | 06/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110369 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Stocks, stock options, bonds, and mutual funds. Stocks and bonds will be discounted at [Redacted]% of value for reserves- per guidelines |  |  |  | Reviewer Comment (2025-06-23): See new exception as a result of numerous re-calculations from post review documentation provided.<br>Reviewer Comment (2025-06-17): We do not know the value as of [Redacted], there was a large [Redacted] wire into that account on [Redacted] that is unsourced. Hence why we used the [Redacted] balances effective [Redacted]/ [Redacted] before the $[Redacted] deposit wire into this account . Also borrower divested numerous stocks and securities in order to get to the $[Redacted] wire to closing. Since there is no balance effective [Redacted] we are unable to ascertain if withholdings were made for IRS purposes etc. Source the large $[Redacted] deposit on [Redacted]. We cannot assume a $[Redacted] balance remained after divesting of securites.<br>Buyer Comment (2025-06-17): Per lender: It appears that they had $[Redacted] in cash per the statement in the file at the end of the month - That is just cash. They also purchased several CD's.<br>The beginning value on [Redacted] was $[Redacted]<br>Withdrew $[Redacted] on [Redacted]<br>That right there leaves $[Redacted] on [Redacted] (Which is in line with the month end balance as they had some minor transfer fees) There are no other withdrawals on that day only one CD that matured.<br>Reviewer Comment (2025-06-17): Please confirm the balance of assets as of closing [Redacted] for further review.<br>Buyer Comment (2025-06-13): Please see Guideline Requirement exception for [Redacted] statement upload<br>Buyer Comment (2025-06-12): Please see Guideline Requirement exception for [Redacted] statement upload<br>Reviewer Comment (2025-06-04): Noted Fund has been Liquidated and made payment of $[Redacted] on closing date [Redacted]. however Total asset require for cash to close and Reserve per Audited review = Cash to close $[Redacted] + EMD $[Redacted] + POCB $[Redacted] + Reserve $[Redacted] = $[Redacted] whereas after Stock liquidated and making payment of $[Redacted] + EMD $[Redacted] ([Redacted]) from Stock account # [Redacted] unable to ascertain remaining balance as of closing date [Redacted] of account # [Redacted] to verify remaining asset requirement of $[Redacted]<br>Buyer Comment (2025-06-03): [Redacted] [Redacted]<br>Buyer Comment (2025-06-03): [Redacted]-[Redacted]<br>Buyer Comment (2025-06-03): Lender's response: See attached Lender Cert along with [Redacted] [Redacted] statement along with printouts. Since he used all the funds from [Redacted] account [Redacted], I don't think the calculation of the [Redacted]% matters anymore. I understand they use [Redacted]% of the amount when the money is still invested in stocks, but once the borrower redeems the funds they become liquid assets, and we can use everything. | 06/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110371 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Re-stated based on all new docs provided. <br> The LAS of our assets depicted below in your email was revised on [Redacted] when [Redacted] [Redacted] was subsequently provided and lender stated all assets in [Redacted] were liquidated. We never received a new balance as of [Redacted] closing date nor does [Redacted] MTD reflect the securities were ever liquidated so we were never able to ascertain actual balances as of [Redacted]. So, I have reset our LAS based on the [Redacted] ending balances. The [Redacted] to [Redacted] journal entries on doc 330 show nothing of relevance other than an unsourced deposit of $[Redacted] on [Redacted] we will not consider. The incidental fees and the [Redacted] CD's [Redacted] and $[Redacted] which were already considered in the fixed assets and set to mature in [Redacted]. Remaining securities haircut to [Redacted]% per guides as no evidence of liquidity in [Redacted]. |  |  |  | Reviewer Comment (2025-07-11): Other business property sold , funds deposited into [Redacted] account [Redacted], those transferred to [Redacted] in the amount of [Redacted] for this closing, Liquid dollars accepted, See new exception for unfettered access to [Redacted] business.<br>Buyer Comment (2025-07-09): per lender : Please see docs attached sourcing the [Redacted] deposit, borrower sold a real estate property. Property was owned by[Redacted] buyer received the proceeds on his business account on [Redacted] and on [Redacted] he transferred the [Redacted] to his [Redacted] account. In this upload I am attaching the following: 1. [Redacted] Statement for [Redacted]. [Redacted] Statement for [Redacted] Final HUD for sold real estate 4. Articles for [Redacted]<br>Buyer Comment (2025-07-09): per lender : Please see docs attached sourcing the[Redacted] deposit, borrower sold a real estate property. Property was owned by [Redacted], buyer received the proceeds on his business account on [Redacted] and on [Redacted] he transferred the [Redacted]to his [Redacted] account. In this upload I am attaching the following: 1. [Redacted] Statement for [Redacted]. [Redacted] Statement for [Redacted]. Final HUD for sold real estate 4. Articles for [Redacted]<br>Buyer Comment (2025-07-09): per lender : Please see docs attached sourcing the [Redacted]deposit, borrower sold a real estate property. Property was owned by [Redacted], buyer received the proceeds on his business account on [Redacted] and on [Redacted] he transferred the [Redacted] to his [Redacted] account. In this upload I am attaching the following: 1. [Redacted] Statement for [Redacted]. [Redacted] Statement for [Redacted]. Final HUD for sold real estate 4. Articles for [Redacted]<br>Buyer Comment (2025-07-09): per lender : Please see docs attached sourcing the [Redacted] deposit, borrower sold a real estate property. Property was owned by [Redacted], buyer received the proceeds on his business account on [Redacted] and on [Redacted] he transferred the [Redacted] to his [Redacted] account. In this upload I am attaching the following: 1.[Redacted] Statement for [Redacted]. [Redacted] Statement for [Redacted] Final HUD for sold real estate 4. Articles for [Redacted] | 07/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9140987 | [Redact] |  | 34110372 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require operating agreement [Redacted] Online to confirm [Redacted]% unfettered access to business funds from sale transferred to personal account. [Redacted] show borrower as registered agent [Redacted] years ago unable to confirm [Redacted]% ownership from this document, |  |  |  | Reviewer Comment (2025-07-15): Operating agreement and LOX provided. Cleared.<br>Buyer Comment (2025-07-11): Per Lender : Please see attached [Redacted] Operating Agreement along with an LOX from his wife giving him full access to the account. | 07/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9243136 | [Redact] | [Redact] | 34114122 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian | 09/03/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9243136 | [Redact] | [Redact] | 34306236 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted] %). |  |  |  |  | Reviewer Comment (2025-08-27): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/27/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9243136 | [Redact] | [Redact] | 34306319 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/27/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9243130 | [Redact] | [Redact] | 34114126 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9243130 | [Redact] | [Redact] | 34224353 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted] % is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-08-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/19/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9243129 | [Redact] | [Redact] | 34173419 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9243515 | [Redact] | [Redact] | 34122251 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245500 | [Redact] | [Redact] | 34123280 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-12): (Rate Lock) [Redacted] | 08/13/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9245500 | [Redact] | [Redact] | 34177606 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided within 60 Days of Closing |  | 08/11/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 9245500 | [Redact] | [Redact] | 34177684 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception requested to use 3 business bank accounts for 1 business. Guidelines only allow a max of 2 business accounts to be used for 1 business, and there are 3. Per explanation from borrowers, the reason for 3 different business bank accounts is due to having 3 separate business locations. The file is missing the fully executed copy of the Client's exception approval. | Borrower has worked in the same position for more than [Redacted] years.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Job Stability: Business has been open for [Redacted] years<br>Residual income $[Redacted] monthly | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-26): Client elected to waive the condition with the following Compensating Factors:<br> Other REO equity: [Redacted]<br> Job Stability: Business has been open for [Redacted] years<br> Mortgage payment history: [Redacted] years timely mortgage payment history and history managing similar debt.<br> Residual income [Redacted] monthly<br>Seller Comment (2025-08-26): See attached Exception approval and Client exception approval. Please clear.<br>Reviewer Comment (2025-08-20): The condition is valid. Per the guidelines, Two business accounts for the same business are allowed; however the loan was qualified with Three business accounts for the same business. Condition remains open<br>Seller Comment (2025-08-18): Please see attached documentation showing exception was cancelled and not needed per [Redacted] Guidelines that allow the use of multiple business bank accounts for multiple businesses. Please cancel. |  |  | 08/26/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9243854 | [Redact] | [Redact] | 34123777 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9243854 | [Redact] | [Redact] | 34243534 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final 1003 shows the borrower as a first-time home buyer, however there is an investment property listed on the 1003. Please provide a corrected 1003. |  |  |  | Reviewer Comment (2025-08-25): Revised 1003 provided<br>Seller Comment (2025-08-22): [Redacted]: Please see attached final loan app that discloses that the co-borrower [Redacted] did not own that REO and that she had not had a primary housing expense in the last 8 moths, so she would fall under a first time home buyer. | 08/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9243842 | [Redact] | [Redact] | 34123780 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-18): Waived on Rate Lock: Collateral cleared by Custodian | 08/18/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9243859 | [Redact] | [Redact] | 34124624 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9243859 | [Redact] | [Redact] | 34241771 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary is missing |  |  |  | Reviewer Comment (2025-08-21): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-08-20): 1008 | 08/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9243859 | [Redact] | [Redact] | 34241928 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Most recent 2-years' Transcripts required per guidelines. |  |  |  | Reviewer Comment (2025-08-26): Received Transcript. Exception Cleared.<br>Seller Comment (2025-08-26): Tax Trans Uploaded | 08/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9243859 | [Redact] | [Redact] | 34241929 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Most recent 2-years' Transcripts required per guidelines. |  |  |  | Reviewer Comment (2025-08-26): Received Transcript. Exception Cleared.<br>Seller Comment (2025-08-26): Tax Trans Uploaded | 08/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9243863 | [Redact] | [Redact] | 34124800 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian | 09/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245503 | [Redact] | [Redact] | 34136776 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | A | Non QM | Non QM | No |
| [Redact] | 9245503 | [Redact] | [Redact] | 34251593 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. (|  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9245564 | [Redact] | [Redact] | 34137985 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-20): Waived on Rate Lock: Collateral cleared by Custodian | 08/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9245564 | [Redact] | [Redact] | 34211935 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9240456 | [Redact] |  | 34278969 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Upon further review, the file was re-closed with a different loan amount. The file is missing the guarantee agreement updated with the new loan amount and closing date. |  |  |  | Reviewer Comment (2025-08-26): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2025-08-26): [Redacted] uploaded | 08/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9240456 | [Redact] |  | 34278975 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Upon further review, the file was re-closed with a different loan amount. The file is missing the security instrument updated with the new loan amount and closing date. Proof the revised Security Instrument will be sent for re-recording is also required. |  |  |  | Reviewer Comment (2025-08-26): Received security instrument. Exception Cleared.<br>Seller Comment (2025-08-26): Revised security instrument uploaded | 08/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9240456 | [Redact] |  | 34278983 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Upon further review, the file was re-closed with a different loan amount. The file is missing the Corporate Assignment of Leases and Rents updated with the new loan amount and closing date. |  |  |  | Reviewer Comment (2025-08-26): Received Assignment of Leases/Rents. Exception Cleared.<br>Seller Comment (2025-08-26): Assignments of leases and rents uploaded. | 08/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9240457 | [Redact] |  | 34161536 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing for [Redacted] not provided. |  |  |  | Reviewer Comment (2025-08-14): Received Business Entity Listing. Exception Cleared.<br>Seller Comment (2025-08-13): Entiy active status report uploaded | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240457 | [Redact] |  | 34161539 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation for [Redacted] not provided. |  |  |  | Reviewer Comment (2025-08-14): Received Business Entity Listing. Exception Cleared.<br>Seller Comment (2025-08-13): Fomration and active status report uploaded. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240459 | [Redact] |  | 34162387 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | File is missing all asset documentation |  |  |  | Reviewer Comment (2025-08-14): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-13): Cashout from a different loan is used for liquidity, HUD uploaded. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240459 | [Redact] |  | 34162390 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | File is missing all asset documentation |  |  |  | Reviewer Comment (2025-08-14): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-13): Cashout from a different loan is used for liquidity, HUD uploaded. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240459 | [Redact] |  | 34162394 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing all asset documentation |  |  |  | Reviewer Comment (2025-08-14): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-13): Cashout from a different loan is used for liquidity, HUD uploaded. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240459 | [Redact] |  | 34162410 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File is missing all asset documentation |  |  |  | Reviewer Comment (2025-08-14): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-13): Cashout from a different loan is used for liquidity, HUD uploaded. | 08/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240462 | [Redact] |  | 34162349 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-08-19): Received replacement cost estimate. Exception Cleared.<br>Seller Comment (2025-08-18): See RCE attached | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240462 | [Redact] |  | 34167570 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation for [Redacted] not provided. |  |  |  | Reviewer Comment (2025-08-19): Received Articles of Organization for [Redacted]. Exception Cleared.<br>Seller Comment (2025-08-18): Articles of formation uploaded.<br>Reviewer Comment (2025-08-15): Required Articles of Organization/Formation for [Redacted]. Exception Remains.<br>Seller Comment (2025-08-14): Document showing formation date and active status uploaded. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240462 | [Redact] |  | 34167575 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing for [Redacted] not provided. |  |  |  | Reviewer Comment (2025-08-15): Received Business Entity Listing. Exception Cleared.<br>Seller Comment (2025-08-14): Document showing formation date and active status uploaded. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240463 | [Redact] |  | 34162054 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing not provided. |  |  |  | Reviewer Comment (2025-08-15): The business was started less than a year ago. Articles of Organization used as an alternative document. Exception Cleared.<br>Seller Comment (2025-08-14): Entity formation is within 1 year, Certificate of good standing is not required, uploaded the entity formation document. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240467 | [Redact] |  | 34165410 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the entity docs for [Redacted], the business guarantor on the loan. |  |  |  | Reviewer Comment (2025-08-19): Received Articles of Organization for [Redacted]. Exception Cleared.<br>Seller Comment (2025-08-18): Articles of formation uploaded.<br>Reviewer Comment (2025-08-15): Required Articles of Organization/Formation for [Redacted]. Exception Remains.<br>Seller Comment (2025-08-14): Entity formation and active status of the entity verified and document uploaded. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240468 | [Redact] |  | 34163673 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-08-19): The business was started less than a year ago. Articles of Organization used as an alternative document. Exception Cleared.<br>Seller Comment (2025-08-18): The entity formatoin is within 1 year, Hence certificate of good standing not collected. Formation date: [Redacted] | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240469 | [Redact] |  | 34161510 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-08-20): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-08-19): RCE attached | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240474 | [Redact] |  | 34168262 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-19): Received replacement cost estimate. Exception Cleared.<br>Seller Comment (2025-08-18): See attached RCE | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240476 | [Redact] |  | 34180049 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification number document is missing in the file. |  |  |  | Reviewer Comment (2025-08-19): Received Employer Identification number document. Exception Cleared.<br>Seller Comment (2025-08-18): EIN document uploaded | 08/19/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240476 | [Redact] |  | 34200506 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final closing statement in the file only has 1 out of the 7 properties included on the property address all 7 properties needs to be included. |  |  |  | Reviewer Comment (2025-08-20): Revised settlement statement provided<br>Seller Comment (2025-08-18): Final HUD with all properties listed uploaded | 08/20/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240480 | [Redact] |  | 34167729 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Guidelines require $[Redacted] in reserves, and verified reserves are $[Redacted] after cash to close. |  |  |  | Reviewer Comment (2025-08-15): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-14): Borrower used the funds from another loan's cashout, HUD uploaded. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240480 | [Redact] |  | 34167731 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-14): Borrower used the funds from another loan's cashout, HUD uploaded. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240480 | [Redact] |  | 34167742 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-14): Borrower used the funds from another loan's cashout, HUD uploaded. | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240483 | [Redact] |  | 34166867 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Required evidence of access for business entity [Redacted] |  |  |  | Reviewer Comment (2025-08-18): This account not used for borrower's qualification. Exception Cleared.<br>Seller Comment (2025-08-15): Cashout from a borrower's another loans is used as source of fund. HUD uploaded. | 08/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240483 | [Redact] |  | 34166920 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Required additional funds to meet reserve requirement. |  |  |  | Reviewer Comment (2025-08-18): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-15): Cashout from a borrower's another loans is used as source of fund. HUD uploaded. | 08/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240483 | [Redact] |  | 34166928 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Required additional funds to meet reserve requirement. |  |  |  | Reviewer Comment (2025-08-18): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-15): Cashout from a borrower's another loans is used as source of fund. HUD uploaded. | 08/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240483 | [Redact] |  | 34166930 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Required additional funds to meet reserve requirement. |  |  |  | Reviewer Comment (2025-08-18): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-15): Cashout from a borrower's another loans is used as source of fund. HUD uploaded. | 08/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240483 | [Redact] |  | 34166938 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Required additional funds to meet reserve requirement. |  |  |  | Reviewer Comment (2025-08-18): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-15): Cashout from a borrower's another loans is used as source of fund. HUD uploaded. | 08/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240488 | [Redact] |  | 34193057 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-08-19): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-08-18): This is a new construction, hence tax is calculated based off the comparable properties. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240492 | [Redact] |  | 34208964 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note missing page 3 of 7. |  |  |  | Reviewer Comment (2025-08-19): Received updated Note document. Exception Cleared.<br>Seller Comment (2025-08-18): Revised note uploaded | 08/19/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9240495 | [Redact] |  | 34182943 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-08-20): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-08-19): RCE pulled | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240498 | [Redact] |  | 34211075 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | The file contained two full appraisals. The lowest valued appraisal was used to calculate the LTV and the calculated LTV exceeds the guideline max. |  |  |  | Reviewer Comment (2025-08-19): As per guideline we can used LTV [Redacted]%. Exception Cleared.<br>Seller Comment (2025-08-18): Agreed to [Redacted] comments on LTV and LTV is within guideline limit of [Redacted]% | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240499 | [Redact] |  | 34202822 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the Authorization to obtain consumer and credit reports and release for the first guarantor |  |  |  | Reviewer Comment (2025-08-19): Received Credit Authorization. Exception Cleared.<br>Seller Comment (2025-08-18): Credit authorization form uploaded | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240501 | [Redact] |  | 34179004 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The subject is new construction the tax certificate used to calculate the taxes included in the PITIA was not provided |  |  |  | Reviewer Comment (2025-08-19): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-08-18): Tax value is based on the comparable properrties, comparables uploaded. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240501 | [Redact] |  | 34202832 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing proof of the guarantors citizenship. There is conflicting information and the Verification of Citizenship Affidavit in file states [Redacted] is a Permanent Resident. |  |  |  | Reviewer Comment (2025-08-19): Received Permanent Resident Card. Exception Cleared.<br>Seller Comment (2025-08-18): Borrower permanent resident card has been uploaded | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240502 | [Redact] |  | 34179732 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing a copy of the Purchase Agreement / Sales Contract |  |  |  | Reviewer Comment (2025-08-20): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-08-19): Purchase contract uploaded | 08/20/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9240502 | [Redact] |  | 34197087 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The subject is new construction the tax certificate used to calculate the taxes included in the PITIA was not provided |  |  |  | Reviewer Comment (2025-08-20): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-08-19): Tax value of the subject property is based on average of the comparables in the neighbourhood, which is $[Redacted] and it's been used to qualify the loan<br>Reviewer Comment (2025-08-19): Required Tax certificate used to calculate the taxes included in the PITIA for subject property "[Redacted]". The provided document does not have subject property address. Exception Remains.<br>Seller Comment (2025-08-18): Tax comparables has been uploaded | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9240502 | [Redact] |  | 34202834 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing proof of the guarantors citizenship. There is conflicting information and the Verification of Citizenship Affidavit in file states [Redacted] is a Permanent Resident. |  |  |  | Reviewer Comment (2025-08-19): Received Permanent Resident Card. Exception Cleared.<br>Seller Comment (2025-08-18): PR has been uploaded | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9240503 | [Redact] |  | 34177197 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-08-19): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-08-18): See attached, Hazard Insurance | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240503 | [Redact] |  | 34193001 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-08-26): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-08-25): [Redacted] months statement has been uploaded for account #[Redacted]<br>Reviewer Comment (2025-08-20): Provided bank statements are for account #[Redacted]. As per guideline required [Redacted] months consecutive bank statement for account #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-08-19): Page 3 of [Redacted] statement shows sufficient liquidity on [Redacted] (highlighted). Bank statements with sufficient liquidity uploaded. | 08/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240503 | [Redact] |  | 34193002 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-08-26): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-08-25): $[Redacted] liquidity verified. #[Redacted] is the new account created in [Redacted] by transferring from #[Redacted] in [Redacted] [Redacted] of $[Redacted] and its reflecting as $[Redacted] as of [Redacted][Redacted]in the new account.There is another source of funds account ending #[Redacted] that shows the transfer of $[Redacted] on [Redacted] to #[Redacted] which was withdrawn on[Redacted] to deposit to the new account #[Redacted].<br>Seller Comment (2025-08-25): [Redacted] months statements provided for #[Redacted], Provided [Redacted] months statement for acc#[Redacted]- The combined balance of these [Redacted] accounts covers the required liquidity.<br>Reviewer Comment (2025-08-20): Provided bank statements are for account #[Redacted] . As per guideline required [Redacted] months consecutive bank statement for account #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-08-19): Page 3 of [Redacted] statement shows sufficient liquidity on [Redacted] (highlighted). Bank statements with sufficient liquidity uploaded. | 08/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240509 | [Redact] |  | 34179539 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-20): Received revised Insurance policy. Exception Cleared.<br>Seller Comment (2025-08-19): See attached Declaration Page 2 Limit section. It shows the correct amount of coverage. | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240509 | [Redact] |  | 34202858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-08-20): Appraisal report used as an alternative document. Exception Cleared.<br>Seller Comment (2025-08-19): We qualified the loan with the higher Tax value derived from the Appraisal document to have a conservative [Redacted].<br>Reviewer Comment (2025-08-19): Required tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. Exception Remains.<br>Seller Comment (2025-08-18): See Dec Page | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240514 | [Redact] |  | 34205338 |  | Credit | Guideline | Guideline Issue | Guideline | The borrower has Open Public Records/Collections/Charge Off accounts. | - Public Record type: ___; Account Status: ___ | There is an unpaid collection on the borrower's credit report for $[Redacted], the collection is in dispute and unpaid. Per the guidelines the collection needs to be paid prior to closing. | The qualifying [Redacted] on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]: [Redacted]> [Redacted]<br>Reserve: [Redacted]> [Redacted]required<br>FICO: [Redacted]> [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-08-27): Client elected to waive the condition with the following comp factors:<br> Reserve: [Redacted] > [Redacted]required <br> DSCR: [Redacted]> [Redacted]<br> FICO: [Redacted]> [Redacted]<br>Seller Comment (2025-08-27): Waive off request: liquidity compensating factor - borrower has well over [Redacted] months of PITIA reserves.<br>Buyer Comment (2025-08-22): There are two collection accounts with combined total > $[Redacted].<br>Seller Comment (2025-08-19): Exception waive off request: Can we waive off this since the unpaid collection is < than $[Redacted]. |  |  | 08/27/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9240514 | [Redact] |  | 34205343 |  | Credit | Guideline | Guideline Issue | Guideline | The borrower has Open Public Records/Collections/Charge Off accounts. | - Public Record type: ___; Account Status: ___ | There is an unpaid collection on the borrower's credit report for $[Redacted], the collection is in dispute and unpaid. Per the guidelines the collection needs to be paid prior to closing. | The qualifying [Redacted] on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]: [Redacted]> [Redacted]<br>Reserve: [Redacted]> [Redacted]required<br>FICO: [Redacted]> [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-08-27): Client elected to waive the condition with the following comp factors:<br> Reserve: [Redacted]> [Redacted]required <br> DSCR: [Redacted]> [Redacted]<br> FICO: [Redacted]> [Redacted]<br>Seller Comment (2025-08-27): Waive off request: liquidity compensating factor - borrower has well over [Redacted] months of PITIA reserves.<br>Buyer Comment (2025-08-22): There are two collection accounts with combined total > $[Redacted].<br>Seller Comment (2025-08-19): Exception waive off request: Can we waive off this since the unpaid collection is < than $[Redacted]. |  |  | 08/27/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9240515 | [Redact] |  | 34214336 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | The LTV exceeds the guideline max per the guides for cash out refinances with a FICO < [Redacted]. Note: per the tape data, the lower CDA was used to calculate the LTV. |  |  |  | Reviewer Comment (2025-08-21): Tape value identified the LTV/CLTV and property value at origination as the lower CDA value. Lender has provided a rebuttal to use the higher appraised value. Using the appraised value is allowed as the CDA value is within +/- [Redacted]% of the appraised value.<br>Seller Comment (2025-08-19): Since the variance between as-is value and CDA value is <[Redacted]% as is value is used to calculate LTV. This is within guidelne limits.<br>Reviewer Comment (2025-08-19): The CDA reflects a value of $[Redacted], while the appraisal report indicates a higher value of $[Redacted]. Per the tape data, the lower CDA value was utilized for LTV calculation. Exception Remains.<br>Seller Comment (2025-08-18): LTV is based off the as-is value of [Redacted] and LTV is at [Redacted]%. | 08/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240515 | [Redact] |  | 34216798 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-08-22): additional statement provided<br>Seller Comment (2025-08-22): [Redacted] month Bank statement for the account ending #[Redacted] uploaded<br>Reviewer Comment (2025-08-21): If the assets from account [Redacted] are not used, the loan will not meet the requirement of [Redacted] months PITIA reserves. Reserves of $[Redacted] are verified excluded account [Redacted] ($[Redacted] account [Redacted] ; $[Redacted] account [Redacted]; $[Redacted] three months P&I reserves collected on the HUD + $[Redacted] cash out proceeds at [Redacted]% per guides). Total assets of $[Redacted] are required to be verified ([Redacted] months @ $[Redacted] PITIA). Condition is valid and remains open<br>Seller Comment (2025-08-21): This is a cashout refinance and [Redacted] months consecutives bank statements have been uploaded. Please explain why do we need bank statement ending with #[Redacted]<br>Reviewer Comment (2025-08-21): Required statement for account ending with #[Redacted]. Exception Remains.<br>Seller Comment (2025-08-20): Bank statements uploaded<br>Reviewer Comment (2025-08-19): [Redacted] months consecutive statements are required. The file only contained [Redacted] month with an end date of [Redacted]. Exception Remains.<br>Seller Comment (2025-08-18): LTV is based off the as-is value of [Redacted] and LTV is at [Redacted]%. | 08/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240516 | [Redact] |  | 34226632 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | The assets verified in file are short funds to close and reserves. Note: only the surrender value of the Life Insurance policy is eligible to be used for funds to close/reserves. |  |  |  | Reviewer Comment (2025-08-19): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-19): Bank statements with sufficient liquidity uploaded - [Redacted]#[Redacted]([Redacted] to [Redacted]) ~ [Redacted] + [Redacted] #[Redacted]([Redacted]to [Redacted]) ~ [Redacted]= [Redacted] | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240516 | [Redact] |  | 34226633 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | The assets verified in file are short funds to close and reserves. Note: only the surrender value of the Life Insurance policy is eligible to be used for funds to close/reserves. |  |  |  | Reviewer Comment (2025-08-19): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-19): Bank statements with sufficient liquidity already uploaded, uploading again - [Redacted] #[Redacted] ([Redacted]to [Redacted]) ~ [Redacted]+ [Redacted]#[Redacted]([Redacted]to [Redacted]) ~ [Redacted]= [Redacted] | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240516 | [Redact] |  | 34226635 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The assets verified in file are short funds to close and reserves. Note: only the surrender value of the Life Insurance policy is eligible to be used for funds to close/reserves. |  |  |  | Reviewer Comment (2025-08-19): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-19): Bank statements with sufficient liquidity already uploaded, uploading again - [Redacted] #[Redacted] ([Redacted]to [Redacted]) ~ [Redacted]+ [Redacted]#[Redacted]([Redacted]to [Redacted]) ~ [Redacted]= [Redacted] | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240516 | [Redact] |  | 34226636 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The assets verified in file are short funds to close and reserves. Note: only the surrender value of the Life Insurance policy is eligible to be used for funds to close/reserves. |  |  |  | Reviewer Comment (2025-08-19): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-19): Bank statements with sufficient liquidity uploaded - [Redacted]#[Redacted]([Redacted] to [Redacted]) ~ [Redacted] + [Redacted] #[Redacted]([Redacted]to [Redacted]) ~ [Redacted]= [Redacted] | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240517 | [Redact] |  | 34216886 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-08-20): Received Tax Cert. Exception Cleared.<br>Seller Comment (2025-08-19): Hence $[Redacted] is used to qualify the loan<br>Seller Comment (2025-08-19): The tax used to calculate the PITIA is taken from the average of the average of the comparable properties uploaded. so here the average of the comparables is $[Redacted]<br>Reviewer Comment (2025-08-19): Required Tax certificate used to calculate the taxes included in the PITIA for subject property "[Redacted]". The provided document does not have subject property address. Exception Remains.<br>Seller Comment (2025-08-18): Tax comparables has been uploaded | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240518 | [Redact] |  | 34226997 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-08-20): Received Tax certificate. Exception Cleared.<br>Seller Comment (2025-08-19): Tax calculation sheet uploaded. | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240521 | [Redact] |  | 34186708 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR<br> provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-20): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-08-19): RCE pulled | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240525 | [Redact] |  | 34191498 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the Authorization to obtain consumer and credit reports and release document |  |  |  | Reviewer Comment (2025-08-19): Received 1003. Exception Cleared.<br>Seller Comment (2025-08-19): Uploaded CAF | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240527 | [Redact] |  | 34189679 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Note: the EMD of $[Redacted]was not verified in file and not included in the assets. |  |  |  | Reviewer Comment (2025-08-26): Reserve requirement met. Exception Cleared.<br>Seller Comment (2025-08-26): #[Redacted]- $[Redacted] and #[Redacted]- $[Redacted]<br>Seller Comment (2025-08-26): #[Redacted]- $[Redacted]and #[Redacted]- $[Redacted]<br>Reviewer Comment (2025-08-21): As per Guideline PITIA months reserves requirement is [Redacted] months. Required source document for EMD of $[Redacted] to verify. Exception Remains.<br>Seller Comment (2025-08-20): As per the recent guidelines update, the PITIA reserve requirement has been revised to [Redacted] months, which is sufficient to meet the liquidity requirements. | 08/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240533 | [Redact] |  | 34186540 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 08/15/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9240535 | [Redact] |  | 34214970 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Lender qualified with a higher tax. Tax certificate was missing. |  |  |  | Reviewer Comment (2025-08-20): Received Tax certificate. Exception Cleared.<br>Seller Comment (2025-08-19): Tax calculation is uploaded | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240537 | [Redact] |  | 34186676 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Verified assets in the amount of $[Redacted] .are insufficient to meet reserves requirement of $[Redacted] |  |  |  | Reviewer Comment (2025-08-19): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-19): Borrower had sufficient liquidity from another cash out deal, HUD was already in file. Uploading again. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240537 | [Redact] |  | 34186677 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Verified assets in the amount of $[Redacted] .are insufficient to meet reserves requirement of $[Redacted] |  |  |  | Reviewer Comment (2025-08-19): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-19): OA of [Redacted]<br>Seller Comment (2025-08-19): Borrower had sufficient liquidity from another cash out deal, HUD was already in file. Uploading again. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240537 | [Redact] |  | 34186965 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of [Redacted] is less than Guideline Available for Reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-08-19): Received HUD. Exception Cleared.<br>Seller Comment (2025-08-19): OA of [Redacted]<br>Seller Comment (2025-08-19): Borrower had sufficient liquidity from another cash out deal, HUD was already in file. Uploading again. | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9240540 | [Redact] |  | 34189291 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-08-20): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-19): Bank statements with sufficient liquidity already in file, uploading again. Live [Redacted] - $[Redacted] and [Redacted] $[Redacted] | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240540 | [Redact] |  | 34189296 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-08-20): Received bank statement. Exception Cleared.<br>Seller Comment (2025-08-19): Bank statements with sufficient liquidity already in file, uploading again. Live [Redacted] - $[Redacted] and [Redacted] $[Redacted] | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9240542 | [Redact] |  | 34189058 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by [Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide a copy of the insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-08-19): Received replacement cost estimate. Exception Cleared.<br>Seller Comment (2025-08-18): RCE letter | 08/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240542 | [Redact] |  | 34221702 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Missing documentation to verify source of funds for original purchase of subject property. Closing statement provided reflects $[Redacted] was due from the borrower at closing. |  |  |  | Reviewer Comment (2025-08-27): Funds to purchase the property provided<br>Seller Comment (2025-08-26): Proof for source of funds has been uploaded.<br>Seller Comment (2025-08-25): This is a delayed purchase where the borrower purhcased it in cash (can be seen their bank account had enough liquidity) and now they are refinancing off the cost basis. Our loan is the refinance not the purchase. we do not verify the source of funds for a refinance.<br>Reviewer Comment (2025-08-22): Agreed we are reviewing the refinance; however the proof of the funds used to close are verified to confirm they were the borrower's own funds and not borrowed funds/funds from another party and are typically verified with a copy of the wire receipt of the funds sent to the title company. Condition remains<br>Seller Comment (2025-08-22): This is a delayed purchase where the borrower purhcased it in cash (can be seen their bank account had enough liquidity) and now they are refinancing off the cost basis. Our loan is the refinance not the purchase.<br>Reviewer Comment (2025-08-20): Additional copies of the bank statements in the initial file were provided. The file is missing the bank statement or other documentation showing the funds used to purchase the property were sent to the title co. Condition remains<br>Seller Comment (2025-08-19): Uploaded statements with sufficient liquidity | 08/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9240546 | [Redact] |  | 34216548 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  | Reviewer Comment (2025-08-27): Revised HOI provided including rent loss coverage<br>Seller Comment (2025-08-26): Updated document with loss of rent listed | 08/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9245778 | [Redact] | [Redact] | 34143030 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9245778 | [Redact] | [Redact] | 34251745 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 08/21/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [Redact] | 9245796 | [Redact] | [Redact] | 34144209 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245796 | [Redact] | [Redact] | 34251636 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Verification of Tax Verification for [Redacted] |  |  |  | Reviewer Comment (2025-09-05): Documentation provided to verify the expenses for the primary<br>Reviewer Comment (2025-08-22): Received Tax certificate still $[Redacted] don't have supporting documents. Already Tax , Hazard insurance & HOA amount updated. Required supporting document for $[Redacted] or revised 1003 to clear this condition. Exception Remains.<br>Seller Comment (2025-08-21): Tax Verification | 09/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245796 | [Redact] | [Redact] | 34256924 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-08-22): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-08-21): 1008 | 08/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245979 | [Redact] | [Redact] | 34146111 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245988 | [Redact] | [Redact] | 34146835 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-14): (Rate Lock) [Redacted] | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9245988 | [Redact] | [Redact] | 34702115 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9245992 | [Redact] | [Redact] | 34147299 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-04): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-03): (Rate Lock) [Redacted] | 09/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245992 | [Redact] | [Redact] | 34318629 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245992 | [Redact] | [Redact] | 34318630 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9245992 | [Redact] | [Redact] | 34318631 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  | Reviewer Comment (2025-08-28): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9245996 | [Redact] | [Redact] | 34147343 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9245996 | [Redact] | [Redact] | 34232325 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9245996 | [Redact] | [Redact] | 34232333 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-18): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9245994 | [Redact] | [Redact] | 34147344 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9245994 | [Redact] | [Redact] | 34234147 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-18): Sufficient Cure Provided At Closing |  | 08/18/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9246355 | [Redact] | [Redact] | 34173463 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9246355 | [Redact] | [Redact] | 34229294 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9246582 | [Redact] | [Redact] | 34155875 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9246582 | [Redact] | [Redact] | 34349792 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  | 09/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9246582 | [Redact] | [Redact] | 34350369 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9246582 | [Redact] | [Redact] | 34350376 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34173477 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34214581 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  |  |  |  |  | Reviewer Comment (2025-08-20): Received Closing Protection Letter. Exception Cleared.<br>Seller Comment (2025-08-19): [Redacted]: attached | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34214588 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the appraisal and the secondary valuation. |  |  |  | Reviewer Comment (2025-08-20): Received Appraisal and CDA. Exception Cleared.<br>Seller Comment (2025-08-19): [Redacted]: attached | 08/20/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34214605 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose was missing |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Seller Comment (2025-08-19): [Redacted]: attached<br>Reviewer Comment (2025-08-19): Provided Business Purpose Certificate is not signed & dated. Required signed & dated Business Purpose Certificate to clear this condition. Exception Remains.<br>Seller Comment (2025-08-18): [Redacted]: Please see the attached | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34214606 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | cash out utilization not in file |  |  |  | Reviewer Comment (2025-08-20): Received Business Purpose Certificate. Exception Cleared.<br>Seller Comment (2025-08-19): [Redacted]: attached | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34214608 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood certificate was not provided |  |  |  | Reviewer Comment (2025-08-20): Received flood certificate. Exception Cleared.<br>Seller Comment (2025-08-19): [Redacted]: attached | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246864 | [Redact] | [Redact] | 34221241 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file is missing a copy of the appraisal and the secondary valuation. |  |  |  | Reviewer Comment (2025-08-20): Received Appraisal and CDA. Exception Cleared.<br>Seller Comment (2025-08-19): [Redacted]: attached | 08/20/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9246860 | [Redact] | [Redact] | 34173478 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-21): Waived on Rate Lock: Collateral cleared by Custodian | 08/21/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9246860 | [Redact] | [Redact] | 34229156 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9246860 | [Redact] | [Redact] | 34229157 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9246860 | [Redact] | [Redact] | 34229158 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-08-20): Received Right to Receive copy of appraisal document. Exception Cleared.<br>Seller Comment (2025-08-19): Please see attached | 08/20/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9220492 | [Redact] |  | 34160926 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Missing initial title or final title policy, |  |  |  | Reviewer Comment (2025-07-29): Received Title commitment for subject property. Exception cleared<br>Buyer Comment (2025-07-25): Title | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9247915 | [Redact] | [Redact] | 34161696 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian | 09/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9247915 | [Redact] | [Redact] | 34305171 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9247915 | [Redact] | [Redact] | 34309777 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/27/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9248282 | [Redact] | [Redact] | 34164411 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-25): Waived on Rate Lock: Collateral cleared by Custodian | 08/25/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9248282 | [Redact] | [Redact] | 34243822 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-19): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/19/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9248469 | [Redact] | [Redact] | 34165325 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-08-27): Waived on Rate Lock: Collateral cleared by Custodian | 08/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9248469 | [Redact] | [Redact] | 34251855 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-21): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/21/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9248795 | [Redact] | [Redact] | 34170119 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341928 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Required Statement was not provided to purchaser or assignee for loan that was sold or assigned |  |  |  | Reviewer Comment (2025-09-05): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-09-04): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 09/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341929 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2025-09-05): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-09-04): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 09/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341930 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed Points and Fees. |  |  |  | Reviewer Comment (2025-09-05): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-09-04): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 09/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341931 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. |  |  |  | Reviewer Comment (2025-09-05): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-09-04): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 09/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341932 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-09-05): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-09-04): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 09/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341933 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2025-09-05): Proof of undiscounted rate and price provided verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-09-04): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 09/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248795 | [Redact] | [Redact] | 34341934 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-09-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 09/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9248795 | [Redact] | [Redact] | 34342859 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9248812 | [Redact] | [Redact] | 34172091 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9248812 | [Redact] | [Redact] | 34326501 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9248878 | [Redact] | [Redact] | 34173596 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-02): Tracking # [Redacted] | 09/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9248878 | [Redact] | [Redact] | 34326452 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/29/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9248878 | [Redact] | [Redact] | 34326453 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/29/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9248895 | [Redact] | [Redact] | 34179557 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian | 09/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9248895 | [Redact] | [Redact] | 34321394 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided At Closing |  | 08/28/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9249305 | [Redact] | [Redact] | 34182600 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-05): Waived on Rate Lock: Collateral cleared by Custodian | 09/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9249305 | [Redact] | [Redact] | 34323067 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9250773 | [Redact] | [Redact] | 34189126 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9213170 | [Redact] |  | 34196676 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-11): FTP provided | 06/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9213170 | [Redact] |  | 34196677 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-05-21): Client elects to waive |  |  | 05/21/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9213170 | [Redact] |  | 34196679 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received detailed COC dated [Redacted].<br>Buyer Comment (2025-06-10): Please see attached.<br>Reviewer Comment (2025-06-05): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the Originator Compensation plan changed to borrower paid. In order to determine if the changed circumstance is valid more information is necessary on reason compensation plan change and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Buyer Comment (2025-06-04): Please see attached. | 06/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [Redact] | 9213170 | [Redact] |  | 34196680 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, [Redacted], are missing. |  |  |  | Reviewer Comment (2025-06-11): Received Fraud and OFAC search run on Settlement Agent, [Redacted] & the Sellers, [Redacted]. Exception cleared.<br>Buyer Comment (2025-06-10): Please see attached. | 06/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9213170 | [Redact] |  | 34196682 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-06-11): FTP provided<br>Buyer Comment (2025-06-11): Please see attached. | 06/11/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [Redact] | 9213173 | [Redact] |  | 34196708 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-06-10): Approval provided<br>Buyer Comment (2025-06-10): See approval letter | 06/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213173 | [Redact] |  | 34196710 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-06-11): See initial disclosure | 06/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9213173 | [Redact] |  | 34196712 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing |  | 06/03/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9213173 | [Redact] |  | 34196714 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | [Redacted] Fair Plan Policy: [Redacted] is missing. |  |  |  | Reviewer Comment (2025-06-12): Updated HOI provided<br>Buyer Comment (2025-06-11): Please see [Redacted] Fair Plan policy including ISAOA. | 06/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213167 | [Redact] |  | 34196745 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Last tax return dated [Redacted] in file. |  |  |  | Reviewer Comment (2025-06-17): Client elects to waive |  |  | 06/17/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9213167 | [Redact] |  | 34196746 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] |  |  |  | Reviewer Comment (2025-06-26): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-06-25): See cure docs |  | 06/26/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9213167 | [Redact] |  | 34196747 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] |  |  |  | Reviewer Comment (2025-06-26): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-06-25): Cure docs |  | 06/26/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9213167 | [Redact] |  | 34196748 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) Personal returns are not signed and dated by the borrower. 2) P&L's are not signed and dated by the borrower. |  |  |  | Reviewer Comment (2025-06-23): Signed and dated P&L's and signed and dated personal returns provided<br>Reviewer Comment (2025-06-23): Received P&L's are signed and dated by the borrower. Provide Personal returns are not signed and dated by the borrower. Exception remains.<br>Buyer Comment (2025-06-20): Please see attached signature pages of Tax Returns. | 06/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9213167 | [Redact] |  | 34196749 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood Insurance policy missing mortgagee + [Redacted]. |  |  |  | Reviewer Comment (2025-06-23): Received Flood Insurance Policy with Mortgage clause. Exception cleared.<br>Buyer Comment (2025-06-20): Please see attached Flood Policy with Mortgagee Clause. | 06/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9213167 | [Redact] |  | 34196750 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  |  |  | Reviewer Comment (2025-06-23): Signed and dated P&L's provided and signed and dated personal returns provided | 06/23/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9213167 | [Redact] |  | 34196751 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing income documents |  |  |  | Reviewer Comment (2025-06-23): Signed and dated P&L's provided and signed and dated personal returns provided<br>Buyer Comment (2025-06-20): Please see attached signed P & L. | 06/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9252095 | [Redact] | [Redact] | 34201293 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9252095 | [Redact] | [Redact] | 34323593 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted]([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/29/2025 | 2 B |  | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| [Redact] | 9252095 | [Redact] | [Redact] | 34326488 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9301735 | [Redact] | [Redact] | 34202723 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by Custodian | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9301735 | [Redact] | [Redact] | 34323027 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9238914 | [Redact] |  | 34241600 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | The VOR or equivalent payment history was missing to verify 12-months of the primary housing for the borrower. Leases for the last 24-months have been received, please provide evidence of the pay history/VOR for review. |  |  |  | Reviewer Comment (2025-06-26): Pay History received for last [Redacted] - months. Exception Cleared.<br>Buyer Comment (2025-06-25): Please see attached confirmation of rent payments from [Redacted]. | 06/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238916 | [Redact] |  | 34241611 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-06-30): Seller acknowledges the exception, no change to grading. |  |  | 06/30/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238911 | [Redact] |  | 34241617 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-11): Seller acknowledges exception, no change to grading. |  |  | 07/11/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238913 | [Redact] |  | 34241620 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-11): Seller acknowledges exception, no change to grading. |  |  | 07/11/2025 | 2 B |  | [Redact] | Second Home | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238905 | [Redact] |  | 34241623 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The file was missing the borrower's [Redacted] 1040, please provide all schedules for review. |  |  |  | Reviewer Comment (2025-07-21): IRS document confirms taxes are not due for borrower in [Redacted] until [Redacted] . Exception cleared.<br>Buyer Comment (2025-07-18): Please see the attached from [Redacted]<br>Reviewer Comment (2025-07-17): Please disregard the initial commentary on this exception. This exception can be waived by the client as it is informational only, or can be further reviewed by diligence with the [Redacted] or evidence of the automatic extension due to disaster. Please upload supporting documentation to the file regarding the extension/automatic extension if you would like us to further review.<br>Buyer Comment (2025-07-16): The clients primary residence at [Redacted] is in the state of [Redacted] which received IRS tax relief due to severe storms, straight-line winds, tornadoes and flooding that began on [Redacted]. Residents in this entire statement received an automatic extension to [Redacted]. | 07/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238918 | [Redact] |  | 34241626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-07-17): [Redacted] received disclosure summary suffice.<br>Buyer Comment (2025-07-16): Please see the attached le verification. | 07/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238918 | [Redact] |  | 34241628 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of large deposits into[Redacted] [Redacted] $[Redacted][Redacted] aand $[Redacted][Redacted] were not sourced. |  |  |  | Reviewer Comment (2025-07-17): Received LOE and Source of large deposits. Exception Cleared.<br>Buyer Comment (2025-07-16): Please see the attached loe and source of funds from crytocurrency. | 07/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238906 | [Redact] |  | 34241630 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-07-24): Seller acknowledges the exception, no change to grading. |  |  | 07/24/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238906 | [Redact] |  | 34241631 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing the second consecutive month of account ending in [Redacted]. Diligence was provided [Redacted]- [Redacted], please provide the preceding month statement or VOD covering 60 days. |  |  |  | Reviewer Comment (2025-08-06): Per client's guidelines on non-consecutive bank statements provided, the [Redacted] has higher balance than [Redacted] and therefore additional transaction history is not required. Exception cleared.<br>Buyer Comment (2025-07-31): Please see attached guidelines for this product regarding gap in asset statments. We are following guide and due to the balance decreasing, no additional asset statement is needed. Please review to clear this condition.<br>Reviewer Comment (2025-07-30): As per guidelines 2 months bank statements required. please provide previous month bank statement. Exception remains<br>Buyer Comment (2025-07-28): The previous statement is not required. The balance decreaesd from the end of the [Redacted] statement to the beginning of the [Redacted] statement. As a result no additional statement is needed. Please review to clear this condition. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238906 | [Redact] |  | 34241632 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-07-24): Seller acknowledges the exception, no change to grading. |  |  | 07/24/2025 | 2 B |  | [Redact] | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238908 | [Redact] |  | 34241633 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is zoned agricultural which does not meet lender's guidelines. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years. | FICO of [Redacted]<br>The representative FICO score is above [Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years. | [Redact],Originator,Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-07-21): Client elects to waive with compensating factors. |  |  | 07/21/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238908 | [Redact] |  | 34241636 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the [Redacted] Residential Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-30): Please see the attached cure package. |  | 07/30/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238908 | [Redact] |  | 34241637 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-29): Received Final Title Policy with sufficient coverage. Exception cleared.<br>Buyer Comment (2025-07-29): Please see the attached final title policy.<br>Reviewer Comment (2025-07-25): The Title commitment in loan file with pages [Redacted]-[Redacted]reflects Insufficient Title Insurance Coverage. Exception Remains.<br>Buyer Comment (2025-07-24): The title commitment is in your loan file on pages [Redacted]-[Redacted], the final title policy is a trailing document. | 07/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238908 | [Redact] |  | 34241638 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-29): Received Final Title Policy with sufficient coverage. Exception cleared. | 07/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238927 | [Redact] |  | 34241654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the [Redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-01): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-31): Please see attached redisclosure curing the issue. |  | 08/01/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238929 | [Redact] |  | 34241657 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-07-25): Received Hazard Insurance Policy effective at Closing. Exception cleared.<br>Buyer Comment (2025-07-24): Please see policy attached confirming effective date of [Redacted], same as disbursement | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238933 | [Redact] |  | 34241671 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary Title Report did not disclose an ALTA Loan Policy amount and Final Title Policy was not provided to verify that sufficient title coverage was obtained.. |  |  |  | Buyer Comment (2025-07-24): seller accepts; no change to grading. |  |  | 07/24/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238933 | [Redact] |  | 34241672 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-07-25): [Redacted] received disclosure tracking showing borrower receipt of [Redacted] LE.<br>Buyer Comment (2025-07-24): Please see the attachment. The Website [Redacted] is the online verification the borrower has acknowledged receipt of the LE, and outstanding the date/time the le was delivered. | 07/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238923 | [Redact] |  | 34241675 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-08-01): Seller acknowledges the exception, no change to grading. |  |  | 08/01/2025 | 2 B |  | [Redact] | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238923 | [Redact] |  | 34241677 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide executed Settlement Statement for sale of the [Redacted] property to verify sold and all liens are paid in full. |  |  |  | Reviewer Comment (2025-08-04): Received document to verify unit [Redacted] was sold provided. Exception cleared.<br>Buyer Comment (2025-08-01): Please see attached settlement statement. | 08/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238920 | [Redact] |  | 34241681 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-08-01): Seller acknowledges exception, no change in grading |  |  | 08/01/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238932 | [Redact] |  | 34241682 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-08-07): [Redacted] received earliest receipt of LE.<br>Buyer Comment (2025-08-06): Please see the attached screenshot verifying the final LE was viewed on [Redacted]. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9238932 | [Redact] |  | 34241683 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% fee violation due to an increase in the recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-07): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-06): Please see the attached pccd, shipping label, copy of refund check and low to borrower. |  | 08/07/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9305606 | [Redact] | [Redact] | 34244403 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-29): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-26): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 09/29/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9217159 | [Redact] |  | 34261922 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Require Fraud Report. The Fraud Report provided just has 3 pages and is incomplete. |  |  |  | Reviewer Comment (2025-08-04): Received Fraud Report for borrower in Trailing doc and Document not uploaded in acuity. Exception Cleared<br>Buyer Comment (2025-07-31): Fraud report | 08/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217159 | [Redact] |  | 34261925 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-08-04): Lender only provided Appraisal signed [Redacted]. Acknowledged as non-material.<br>Reviewer Comment (2025-08-04): Received same appraisal dated [Redacted] and appraisal Delivery dated [Redacted] which is prior to report date of [Redacted]. Require Original appraisal report. Exception Remains<br>Buyer Comment (2025-07-31): Appraisals |  |  | 08/04/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9206126 | [Redact] |  | 34261936 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is for [Redacted]. |  |  |  | Reviewer Comment (2025-07-18): Received Articles of Organization for [Redacted].. Exception Cleared<br>Buyer Comment (2025-07-18): AOO | 07/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9206126 | [Redact] |  | 34261937 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing for [Redacted]. |  |  |  | Reviewer Comment (2025-07-18): Received Certificate of Good standing for [Redacted]. Exception Cleared<br>Buyer Comment (2025-07-18): COGS | 07/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9206126 | [Redact] |  | 34261939 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing for [Redacted] |  |  |  | Reviewer Comment (2025-08-01): Received Operating agreement and Corporate resolution confirmed Guarantor [Redact] owned [Redacted]% Ownership in business. document not require for other member. Exception Remains<br>Buyer Comment (2025-07-31): Resolution<br>Reviewer Comment (2025-07-18): Per Operating agreement [Redacted] Owned [Redacted] % ownership as Tenant by the entirety whereas only [Redacted] as signed the require documents, [Redacted] equally owned the business entity which leads less than [Redacted]% ownership of both member. [Redacted] must signed closing document and require all Underwriting document same [Redacted]. exception Remains<br>Buyer Comment (2025-07-18): OA | 08/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9206126 | [Redact] |  | 34261940 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) for [Redacted]. |  |  |  | Reviewer Comment (2025-07-18): Received EIN For [Redacted]. Exception cleared | 07/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9206126 | [Redact] |  | 34261941 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-08-04): Received Fraud Report with watchlist search for[Redacted]. Exception Cleared<br>Buyer Comment (2025-08-01): Fraud<br>Reviewer Comment (2025-07-18): Received Fraud Report for Guarantor whereas Require fraud report for Business entity [Redacted]. Exception Remains<br>Buyer Comment (2025-07-18): Fraud Report | 08/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9206126 | [Redact] |  | 34261942 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] Calculation Worksheet is required per guidelines and was not provided. |  |  |  | Reviewer Comment (2025-07-18): Received [Redacted] calculation worksheet Exception Cleared.<br>Buyer Comment (2025-07-18): DSCR | 07/18/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9204928 | [Redact] |  | 34261943 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum per state. |  |  |  | Buyer Comment (2025-07-24): Acknowledged non material |  |  | 07/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9204928 | [Redact] |  | 34261944 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Note grace period days less than minimum per state. |  |  |  | Buyer Comment (2025-07-24): Acknowledged non material |  |  | 07/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9204716 | [Redact] |  | 34261947 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require third-party fraud report for the entity "[Redacted]" per guide |  |  |  | Reviewer Comment (2025-08-08): Fraud documentation provided.<br>Buyer Comment (2025-08-06): SAM Search<br>Buyer Comment (2025-08-06): OFAC<br>Buyer Comment (2025-08-06): Lender's response: Good afternoon: I hope the attached will suffice. We have generally understood an exhaustive 'fraud search' on entities to include: (1) OFAC report, (2) SAM-GOV clear fraud search result, and (3) a HUD-LDP confirmation of not being barred. All three (3) docs/printouts are attached showing the entity doesn't appear on any limited denial/barred/suspicious persons list. Thanks. | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9226767 | [Redact] |  | 34261949 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo/PUD warranty or project approval for condo is missing in file |  |  |  | Reviewer Comment (2025-07-31): Lender certification for Condo approval provided. Exception Cleared<br>Buyer Comment (2025-07-29): certification eligibility | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9217147 | [Redact] |  | 34261951 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | CPA letter is missing for Funds from Business Account #[Redacted]. |  |  |  | Reviewer Comment (2025-08-07): Received CPA letter confirmed [Redacted]% ownership in Business. Loan Qualified with individual Borrower. Only evidence of access require to confirm borrower have unrestricted access to Borrower. Exception Cleared<br>Buyer Comment (2025-08-05): CPA letter | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9237985 | [Redact] |  | 34261956 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Tax lien in the amount of $[Redacted] present on Title and fraud report required release/satisfaction lien letter document per guide. <br> The borrower is required to pay off prior to or at closing all open judgments, garnishments, and<br> liens, including all tax liens and mechanics' or material men's liens on the mortgaged property.<br> The satisfaction of these liabilities, along with verification of funds sufficient to satisfy these<br> obligations must be documented to the loan file |  |  |  | Reviewer Comment (2025-08-08): Received Tax lien Paid off evidence. Exception Cleared<br>Buyer Comment (2025-08-06): Email and Receipt | 08/08/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9357220 | [Redact] | [Redact] | 34270684 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-01): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-08-30): (Rate Lock) [Redacted] | 09/01/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9211448 | [Redact] |  | 34320019 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Provided Hazard Insurance Policy & Replacement Cost Estimator reflect City name as "[Redacted]" however as per Note, city name is "[Redacted]" required updated HOI & replacement document with correct city name as "[Redacted]". |  |  |  | Reviewer Comment (2025-08-11): Received updated HOI and Replacement cost Estimator with change in City name per Note. Exception Cleared<br>Buyer Comment (2025-08-08): Updated HOI | 08/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9211448 | [Redact] |  | 34320020 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Required CPA letter to confirm that the withdrawal will not negatively impact the business for [Redacted] #[Redacted], considered to meet the reserve requirements. |  |  |  | Reviewer Comment (2025-08-11): Received updated CPA letter confirmed no negative impact for using business funds # [Redacted]. Exception Cleared<br>Buyer Comment (2025-08-08): CPA | 08/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 9211448 | [Redact] |  | 34320023 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-04): Sufficient Cure Provided At Closing |  | 08/04/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9158968 | [Redact] |  | 34320038 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Require lease agreement for the (Unit [Redacted]) updated with lease expiration date. No lease expiration date provided neither month to month statement. |  |  |  | Reviewer Comment (2025-07-17): Unit [Redacted] is Tenancy at will Lease agreement which confirmed lease terms up to Tenant will and Unit [Redacted] is valid at time of closing which acceptable per guideline. Exception Cleared<br>Buyer Comment (2025-07-15): mortgage statement | 07/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9158968 | [Redact] |  | 34320040 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Require verification of mortgage for the month due [Redacted] for REO "[Redacted]" Creditor :[Redacted], must show paid within month due. |  |  |  | Reviewer Comment (2025-08-07): Received Rent free letter for primary property [Redacted]. Exception Cleared<br>Buyer Comment (2025-08-05): rent free letter<br>Reviewer Comment (2025-07-18): History provided showing due for [Redacted]. Provide rent free letter for the borrowers primary address.<br>Reviewer Comment (2025-07-18): Received Mortgage statement for Mortgage # [Redacted] [Redacted] payment still missing Rent free letter for Borrower primary address [Redacted] per Final 1003 no housing expenses. Exception Remains<br>Buyer Comment (2025-07-17): Mortgage statement attached to show due for [Redacted] payment<br>Reviewer Comment (2025-07-17): Updated Comment Require verification of mortgage for the month due [Redacted] for REO "[Redacted]" Creditor : [Redacted], must show paid within month due. Additionally Require Rent free letter for [Redacted]. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9158968 | [Redact] |  | 34320041 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Require updated secondary valuation report (CDA) with correct street address "[Redacted]". |  |  |  | Reviewer Comment (2025-08-01): Received CDA with correction in address per Note. Exception Cleared<br>Buyer Comment (2025-07-30): CDA | 08/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9158968 | [Redact] |  | 34320042 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business funds. The ownership percentage (was not) must be verified via CPA/Tax Preparer, Operating Agreement or equivalent and all nonborrowing owners must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the funds. |  |  |  | Reviewer Comment (2025-08-07): Access letter provided.<br>Buyer Comment (2025-08-07): ACCESS LETTER<br>Reviewer Comment (2025-07-18): Require ownership Evidence of Business account # [Redacted] ([Redacted]) per Guideline "Business funds can be used for down payment and cash reserves if the borrower(s)/guarantor(s) own at least [Redacted]% of the business. The ownership percentage CPA/Tax Preparer, Operating Agreement or equivalent. Exception Remains<br>Buyer Comment (2025-07-17): [Redacted] agreement of operations in file for newly opened account- funds to open account transferred from existing joint account - access letter from the joint account holder in file - see access letter | 08/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9187098 | [Redact] |  | 34320045 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | Appraisal report images reflects cracked window pane at front of subject. 442 document is provided, but does not mention the repair of cracked window. Require updated 442 with cracked window repaired. |  |  |  | Reviewer Comment (2025-07-21): Received updated 442 with Photos of Cracked Window Repaired. Exception Cleared<br>Buyer Comment (2025-07-18): Appraisal Update<br>Reviewer Comment (2025-07-16): Received updated 442 with comment Cracked Window Repaired, however photo is missing. Require updated 442 with photo. Exception Remains<br>Buyer Comment (2025-07-15): 1004D reflects windows repaired | 07/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9187098 | [Redact] |  | 34320046 |  | Property | Guideline | General | Guideline | UCC's not appropriately filed and recorded. |  | As per guide, any item that will include a UCC associated with the property and/or will create an easement on title is ineligible. 1008 and lender correspondence ([Redacted]) reflects, UCC's are not solar they are part of the financing that we are paying off at closing. Review for acceptance |  |  |  | Reviewer Comment (2025-08-12): Provided.<br>Buyer Comment (2025-08-12): [Redacted] Beneficiary's Deed of Partial Release and Partial Reconveyance.<br>Buyer Comment (2025-08-12): [Redacted] UCC1<br>Buyer Comment (2025-08-12): title<br>Reviewer Comment (2025-08-11): Termination of [Redacted] UCC1 provided. Missing termination of UCC-1 from [Redacted].<br>Buyer Comment (2025-08-07): UCC and legal description | 08/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9239473 | [Redact] |  | 34320047 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Require executed Lease Agreement for unit [Redacted] by both lesser and lessee. |  |  |  | Reviewer Comment (2025-08-01): Received Executed lease agreement for unit [Redacted] by require parties. Exception Cleared<br>Buyer Comment (2025-07-30): executed lease<br>Reviewer Comment (2025-07-24): Received lease agreement for Unit, however require executed lease agreement with required parties signature (lesser and lessee.) for unit 2 with lessee shows [Redacted], [Redacted], [Redacted]and [Redacted]. Exception Remains<br>Buyer Comment (2025-07-22): lease agreement | 08/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9239473 | [Redact] |  | 34320048 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing not provided for [Redacted] |  |  |  | Reviewer Comment (2025-07-24): Received Certificate of good standing. exception cleared<br>Buyer Comment (2025-07-22): COGS | 07/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9239473 | [Redact] |  | 34320049 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation not provided for [Redacted] |  |  |  | Reviewer Comment (2025-07-24): Received Articles of organization for [Redacted]. Exception cleaerd<br>Buyer Comment (2025-07-23): see page 15 | 07/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9239473 | [Redact] |  | 34320051 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | [Redacted] allows prepayment penalties with restrictions in the following states [Redacted]: restricted to corporations only |  |  |  | Buyer Comment (2025-07-28): Acknowledged as non-material - Buyer [Redacted] will allow.<br>Buyer Comment (2025-07-23): PPP Addendum |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9239473 | [Redact] |  | 34320052 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | Previous Primary Residence [Redacted] is missing [Redacted] and [Redacted] payments required per guidelines. |  |  |  | Reviewer Comment (2025-07-29): Received updated Credit supplement with Mortgage history till [Redacted] for account # [Redacted] for REO [Redacted] Street. Exception Cleared<br>Buyer Comment (2025-07-28): credit supplement | 07/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9199392 | [Redact] |  | 34320054 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Loan file must include documentation detailing the [Redacted] calculation, such as the 1008, Loan Approval or a [Redacted] Calculation Worksheet. |  |  |  | Reviewer Comment (2025-08-08): Received updated 1008 with correct [Redacted] Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-08-07): updated 1008<br>Reviewer Comment (2025-08-07): Received 1008 with DSCR Calculation, however per Total PITIA lender used $[Redacted] whereas actual PITIA is $[Redacted] also Lower rent would be for all [Redacted] Unit $[Redacted] whereas lender using $[Redacted] . Updated 1008 require with correction in [Redacted] calculation. Exception Remains<br>Buyer Comment (2025-08-05): 1008 | 08/08/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9199074 | [Redact] |  | 34320055 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Third party fraud report is missing in file for entity for [Redacted]. |  |  |  | Reviewer Comment (2025-08-15): Received [Redacted] Business Fraud Report. Exception Cleared<br>Buyer Comment (2025-08-14): Business fraud report.<br>Reviewer Comment (2025-08-11): Received Fraud Report of individual along with Business entity name included in Watchlist however Per Guideline full third party verification is require for [Redacted]. Business fraud report could be from [Redacted], [Redacted], [Redacted], [Redacted].. Exception Remains<br>Buyer Comment (2025-08-07): Fraud Report<br>Reviewer Comment (2025-08-06): Received Screenshot however require full Fraud report included Business entity name in Participant list as available copy does not listed Business name. Exception Remains<br>Buyer Comment (2025-08-05): Business fraud search | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9199074 | [Redact] |  | 34320056 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreements missing in file. |  |  |  | Reviewer Comment (2025-08-06): Received Guarantor agreement. Exception Cleared<br>Buyer Comment (2025-08-05): Guarantee agreement | 08/06/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9199074 | [Redact] |  | 34320057 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Assignment of Leases and Rents Rider is required as per security instrument. |  |  |  | Reviewer Comment (2025-08-06): Assignment of Leases and Rents Rider received. Exception cleared<br>Buyer Comment (2025-08-05): Rider attached | 08/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9199074 | [Redact] |  | 34320058 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-08-04): Acknowledged non-material |  |  | 08/04/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9199074 | [Redact] |  | 34320059 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (2025-08-04): Acknowledged non-material |  |  | 08/04/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9238567 | [Redact] |  | 34320060 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for [Redacted] is missing in file |  |  |  | Reviewer Comment (2025-08-06): Received Fraud Report for both borrower. Exception Cleared.<br>Buyer Comment (2025-08-05): Fraud | 08/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9238567 | [Redact] |  | 34320062 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy for subject property with Rent loss info is missing in file. |  |  |  | Reviewer Comment (2025-08-06): Received HOI and RCE for subject property. Exception cleared<br>Buyer Comment (2025-08-05): HOI | 08/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9238567 | [Redact] |  | 34320064 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC report is missing in file. |  |  |  | Reviewer Comment (2025-08-06): Received Fraud report with OFAC. Exception Cleared<br>Buyer Comment (2025-08-05): See Fraud Report | 08/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9238567 | [Redact] |  | 34320066 |  | Credit | Asset | Asset Documentation | Asset | Assets Error: Accounts are missing |  | Bank statement for [Redacted] pages [Redacted] are missing. |  |  |  | Reviewer Comment (2025-08-11): Full Complete pages of [Redacted] account provided. Exception Cleared<br>Buyer Comment (2025-08-08): ALL PAGES OF STATEMENT | 08/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9238567 | [Redact] |  | 34320067 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Insufficient cash to close. IRA funds in the amount of $[Redacted] and stocks [Redacted] can only be used at [Redacted]% for reserves or when liquidated. Proof of liquidation was not provided. |  |  |  | Reviewer Comment (2025-08-11): Received Final CD with cash out proceed to meet cash to closed requirement and IRA account and stock account used to meet Reserve Requirement as liquidation proof not provided. Exception Cleared<br>Buyer Comment (2025-08-08): CD AND EMAIL | 08/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9238567 | [Redact] |  | 34320068 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Missing CPL |  |  |  | Reviewer Comment (2025-08-06): Received CPL for subject property. exception cleared<br>Buyer Comment (2025-08-05): CPL | 08/06/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9199083 | [Redact] |  | 34320072 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Buyer and seller executed Purchase Agreement / Sales Contract is missing in file. |  |  |  | Reviewer Comment (2025-08-11): Received Purchase Contract for subject property. Exception Cleared<br>Buyer Comment (2025-08-07): purchase contract | 08/11/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9230072 | [Redact] |  | 34320075 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Notice provided but not signed and dated by Borrower. |  |  |  | Reviewer Comment (2025-08-13): Signed Flood Disclosure notice received. Exception Cleared<br>Buyer Comment (2025-08-11): Executed Flood Notice | 08/13/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9369926 | [Redact] | [Redact] | 34330877 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-22): (Rate Lock) [Redacted] | 09/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9369926 | [Redact] | [Redact] | 34450389 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Missing executed client exception approval. |  |  |  | Reviewer Comment (2025-09-24): Received Lender Exception approval. Exception Cleared.<br>Seller Comment (2025-09-23): See attached [Redacted] Exception approval. Please clear.<br>Seller Comment (2025-09-23): Waterfall to [Redacted]<br>Seller Comment (2025-09-23): See attached [Redacted] Exception approval. Please clear.<br>Reviewer Comment (2025-09-18): Exception approval made by [Redacted] on page [Redacted] is not executed. Exception Remains.<br>Seller Comment (2025-09-17): See pages [Redacted] in [Redacted]. Please cancel | 09/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9369926 | [Redact] | [Redact] | 34450397 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of HOA. |  |  |  | Reviewer Comment (2025-09-18): Received HOA. Exception Cleared.<br>Seller Comment (2025-09-17): See pages [Redacted] in [Redacted] for HOA for [Redacted]. Please cancel | 09/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9369926 | [Redact] | [Redact] | 34450400 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception made to close in a layered entity. The client exception approval is missing in the file. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years. | DTI of [Redacted] using only one borrower/business income and no rental income where [Redacted]is maximum.<br>Property management experience job stability: Self employed in real estate business [Redacted] years | [Redact],Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,[Redact] | Reviewer Comment (2025-09-24): Client elected to waive the condition with the following Customer Compensating Factors:<br> DTI of [Redacted] using only one borrower/business income and no rental income where [Redacted] is maximum.<br> Credit Depth: [Redacted] year mortgage history and [Redacted] year trade history paid as agreed<br> Property management experience job stability: Self employed in real estate business [Redacted] years<br>Seller Comment (2025-09-23): Waterfall to [Redacted]<br>Reviewer Comment (2025-09-18): The client exception approval in file was not executed or complete. Condition remains. Provide a fully executed copy of the client exception approval form.<br>Seller Comment (2025-09-17): See pages [Redacted] in [Redacted]. Please cancel. |  |  | 09/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9377891 | [Redact] | [Redact] | 34351549 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-10): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-09): (Rate Lock) [Redacted] | 10/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9377891 | [Redact] | [Redact] | 34642211 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/03/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9386005 | [Redact] | [Redact] | 34353558 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-24): (Rate Lock) [Redacted] | 09/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9386005 | [Redact] | [Redact] | 34520895 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is not in images. |  |  |  | Reviewer Comment (2025-09-29): Received 442 Images/1004D. Exception Cleared.<br>Seller Comment (2025-09-26): See page [Redacted] in [Redacted] that contains the 1004D that was inspected on [Redacted]. Please cancel | 09/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9386012 | [Redact] | [Redact] | 34353566 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-24): (Rate Lock) [Redacted] | 09/26/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9222202 | [Redact] |  | 34353587 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification missing on file |  |  |  | Reviewer Comment (2025-08-12): HOIs provided<br>Buyer Comment (2025-08-08): Hi Morning this see attached for the [Redacted] HOA REP :) | 08/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9222202 | [Redact] |  | 34353588 |  | Credit | Income | Income Error | Income | Business Bank Statement income was used to qualify. A fixed guideline expense ratio of less than 1% was used to qualify. |  | Expense Ratio less than [Redacted]%. Guides require minimum [Redacted]%. |  |  |  | Reviewer Comment (2025-08-07): Updated to [Redacted]%, exception cleared. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9222202 | [Redact] |  | 34353589 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Expense Ratio less than [Redacted]%. Guides require minimum [Redacted]%. |  |  |  | Reviewer Comment (2025-08-07): Updated to [Redacted]%, exception cleared. | 08/07/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9222202 | [Redact] |  | 34353590 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Expense Ratio less than [Redacted]%. Guides require minimum [Redacted]%. |  |  |  | Reviewer Comment (2025-08-07): Updated to [Redacted]%, exception cleared. | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9230043 | [Redact] |  | 34359106 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-08-13): Received Appraisal delivery evidence Screenshot of activity log confirm the same. Exception Cleared<br>Buyer Comment (2025-08-12): Evidence appraisal was sent [Redacted]. Based on Mailbox rule appraisal received timely for ECOA. | 08/13/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B | N/A | N/A | No |
| [Redact] | 9230043 | [Redact] |  | 34359107 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Missing condo warranty. |  |  |  | Reviewer Comment (2025-08-20): Received Lender attestation confirmed Project meet FNMA Warrantability. Exception Cleared<br>Buyer Comment (2025-08-18): attestation on letter head signed by the underwriter | 08/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | N/A | N/A | No |
| [Redact] | 9447888 | [Redact] | [Redact] | 34377283 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-18): (Rate Lock) [Redacted] | 09/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9498486 | [Redact] | [Redact] | 34395933 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-14): (Rate Lock) [Redacted] | 10/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9498486 | [Redact] | [Redact] | 34712884 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-13): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/13/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9498496 | [Redact] | [Redact] | 34396174 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-10): (Rate Lock) [Redacted] | 10/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9498496 | [Redact] | [Redact] | 34685340 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-09): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/09/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9500979 | [Redact] | [Redact] | 34404855 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-22): (Rate Lock) [Redacted] | 09/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9501869 | [Redact] | [Redact] | 34416900 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-03): (Rate Lock) [Redacted] | 10/06/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9501869 | [Redact] | [Redact] | 34613174 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9501878 | [Redact] | [Redact] | 34423189 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-08): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-08): (Rate Lock) [Redacted]<br>Seller Comment (2025-10-07): (Rate Lock) [Redacted] | 10/08/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9501878 | [Redact] | [Redact] | 34601433 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business bank statement (account #[Redacted]) is missing for [Redacted] |  |  |  | Reviewer Comment (2025-10-07): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-10-03): See attached bank statement for acct# [Redacted]ending [Redacted]. Please clear. | 10/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9501878 | [Redact] | [Redact] | 34601445 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business bank statement (acc#[Redacted]) is missing for [Redacted] |  |  |  | Reviewer Comment (2025-10-07): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-10-03): Waterfall for [Redacted] | 10/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9204968 | [Redact] |  | 34428461 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | HOEPA designation requires a Federal HOEPA Assignment Notice. |  |  |  | Reviewer Comment (2024-10-17): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428462 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA designation results Federal HOEPA Disclosure requirements. |  |  |  | Reviewer Comment (2024-10-17): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428463 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. |  |  |  | Reviewer Comment (2024-10-17): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428464 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. | HOEPA designation results in late charge restrictions. |  |  |  | Reviewer Comment (2024-10-17): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428465 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). Non-Compliant High Cost Loan. | Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as bonafide. |  |  |  | Reviewer Comment (2024-10-17): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428466 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | HOEPA designation results in pre-loan counseling requirements. |  |  |  | Reviewer Comment (2024-10-17): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 10/17/2024 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428467 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2024-10-17): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | No |
| [Redact] | 9204968 | [Redact] |  | 34428470 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9204970 | [Redact] |  | 34428480 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees total $[Redacted] vs. an investor allowable total of $[Redacted] for an overage of $[Redacted] |  |  |  |  |  |  |  | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | No |
| [Redact] | 9204970 | [Redact] |  | 34428483 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-26): Sufficient Cure Provided At Closing |  | 11/26/2024 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redact] | 9204970 | [Redact] |  | 34428484 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-26): Sufficient Cure Provided At Closing |  | 11/26/2024 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| [Redact] | 9204983 | [Redact] |  | 34428543 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax certificate marked missing as City taxes are not provided of $[Redacted]. School taxes provided of $[Redacted] |  |  |  | Reviewer Comment (2024-12-26): Received Tax Certificate. city taxes considered with county tax and municipality tax. exception cleared.<br>Buyer Comment (2024-12-24): The $[Redacted] is a combination of both County ($[Redacted]) and Municipality ($[Redacted]) taxes that were combined into one for the sake of escrows since they are both due at the same time. Tax certificates attached showing both county and municipality tax figures. | 12/26/2024 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9204983 | [Redact] |  | 34428544 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redact] First Lien Late Charge Grace Period Testing | [Redacted] Late Charge: Note grace period of [Redacted] days is less than the state minimum of [Redacted] days. | Note grace period of [Redacted] days is less than the state minimum of [Redacted]days. |  |  |  | Buyer Comment (2024-12-23): Acknowledged non material |  |  | 12/23/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9204983 | [Redact] |  | 34428545 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2024-12-24): Lender acknowledged non material EV2<br>Buyer Comment (2024-12-24): loe |  |  | 12/24/2024 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9555312 | [Redact] | [Redact] | 34496930 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-03): Waived on Rate Lock: Collateral cleared by Custodian | 10/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9555312 | [Redact] | [Redact] | 34604861 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file was missing a copy of the Evidence to access to funds for the 2 business accounts used to qualify. |  |  |  | Reviewer Comment (2025-10-08): Received Certificate of Good Standing. Exception Cleared.<br>Seller Comment (2025-10-06): Waterfall for [Redacted] | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9555312 | [Redact] | [Redact] | 34604862 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The file was missing a copy of the Evidence to access to funds for the 2 business accounts used to qualify. |  |  |  | Reviewer Comment (2025-10-08): Received Certificate of Good Standing. Exception Cleared.<br>Seller Comment (2025-10-06): See attached Articles of Organization and SOS information showing [Redacted] is the owner of [Redacted] and [Redacted]. Please clear | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9555312 | [Redact] | [Redact] | 34604869 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/01/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9555312 | [Redact] | [Redact] | 34604870 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-01): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/01/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9606078 | [Redact] | [Redact] | 34523824 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-14): The collateral was delivered [Redacted] via [Redacted]trk#[Redacted]. | 10/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9214139 | [Redact] |  | 34531560 |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | As per 1003 & final CD, subject property is reflecting HOA amount of $[Redacted]. Also, sales addendum [Redacted] reflects HOA of $[Redacted] monthly, however appraisal report does not reflect any HOA amount for the same. Required updated appraisal with HOA amount on subject property. |  |  |  | Reviewer Comment (2025-08-27): Received updated CDA with correction in Property address per Note. Exception Cleared<br>Buyer Comment (2025-08-26): See attached CDA.<br>Reviewer Comment (2025-08-22): Received Flood cert however still missing CDA with Correction in Property Address per Note. Exception Remains<br>Buyer Comment (2025-08-21): See attached flood cert<br>Reviewer Comment (2025-08-13): Received updated appraisal with change in address per Note, still pending CDA and Flood Cert. Exception Remains<br>Buyer Comment (2025-08-11): Appraisal<br>Reviewer Comment (2025-08-08): Received updated appraisal with HOA amount, however [Redacted]nd Unit # [Redacted] is not reflects in property address, Additionally Flood cert and CDA also not reflets [Redacted] in Property address. Require updated Appraisal, CDA and Flood cert with address per Note. Exception Remains<br>Buyer Comment (2025-08-07): See revised appraisal | 08/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9214139 | [Redact] |  | 34531561 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. No Lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |  | [Redact]<br>[Redact] | Reviewer Comment (2025-08-28): Investor exception provided.<br>Buyer Comment (2025-08-28): investor approved exception |  |  | 08/28/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9213412 | [Redact] |  | 34531578 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-08-05): Received Mortgage statement for REO [Redacted]. Exception cleared<br>Buyer Comment (2025-08-01): Statement | 08/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213412 | [Redact] |  | 34531579 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Supporting document is missing for payment variance of $[Redacted]on [Redacted]. |  |  |  | Reviewer Comment (2025-08-07): Received Tax and insurance document for REO property [Redacted] REO. support lender used amount. Exception Cleared<br>Buyer Comment (2025-08-06): Per Lender: Hello! Attached you'll find the REO docs for [Redacted]. There is a secured tax and supplemental tax totaling $[Redacted]/yearly and the [Redacted] states the policy total is $[Redacted] which comes to a total of $[Redacted]/yearly. $[Redacted]/[Redacted]= $[Redacted]/monthly<br>Buyer Comment (2025-08-06): HOI<br>Reviewer Comment (2025-08-05): Received Mortgage statement for other REO Properties however Require Supporting document for Payment variance of $[Redacted] on [Redacted] as Tax verified $[Redacted] + Insurance verified $[Redacted] = total verified amount $[Redacted] where as per final 1003 it is $[Redacted] . Exception Remains<br>Buyer Comment (2025-08-01): Mortgage statement | 08/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9213412 | [Redact] |  | 34531580 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | CPA Impact Letter is missing for Funds from Business Account #[Redacted]. |  |  |  | Reviewer Comment (2025-08-29): Received Cash flow analysis from Lender/Underwriter confirmed no negative impact. Exception Cleared<br>Buyer Comment (2025-08-28): LOE<br>Reviewer Comment (2025-08-26): CFA received confirming no impact if business funds used for closing or reserve requirement however unable to confirm who has prepared the CFA. Exception remains.<br>Buyer Comment (2025-08-25): CFA<br>Reviewer Comment (2025-08-19): CPA letter is provided however it does not states that "the withdrawal will not negatively impact the business". Exception remains.<br>Buyer Comment (2025-08-18): CPA Letter | 08/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9220245 | [Redact] |  | 34531946 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  |  |  |  |  | Reviewer Comment (2025-07-25): Received Driving license used in lieu of Patriot act. Exception cleared<br>Buyer Comment (2025-07-24): Lender's response: [Redacted] does not require a Patriot Act Disclosure. | 07/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9220245 | [Redact] |  | 34531947 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Please provide a copy of Closing Protection Letter as required per guides. |  |  |  | Reviewer Comment (2025-07-25): Received Closing protection Letter. Exception cleared<br>Buyer Comment (2025-07-24): CPL | 07/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9220246 | [Redact] |  | 34531950 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal report reflect "subject to repairs", provide a Final Inspection/442 showing hazard repair completed. |  |  |  | Reviewer Comment (2025-07-30): Received Final Inspection confirmed Hole in Backyard filled. Exception Cleared<br>Buyer Comment (2025-07-29): 442 | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220246 | [Redact] |  | 34531951 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. | Entity is an [Redacted] |  |  |  | Buyer Comment (2025-07-24): Acknowledged non-material<br>Reviewer Comment (2025-07-23): Business purpose loan made to a business entity borrower (LLC/Individual Guarantor), EV2-B based on outside counsel guidance |  |  | 07/24/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220246 | [Redact] |  | 34531952 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide signed and dated operating agreement of [Redacted], Operating Agreement is not signed by member. |  |  |  | Reviewer Comment (2025-07-30): Received Signed Operating agreement. Exception Cleared<br>Buyer Comment (2025-07-29): Signed Operating Agreement | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220246 | [Redact] |  | 34531953 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. |  |  |  | Reviewer Comment (2025-07-28): Cash to close sufficient based on [Redacted] updated statement | 07/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220246 | [Redact] |  | 34531956 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-13): Client accepts and agrees to waive with compensating factors. (includng fico score [Redacted])<br>Buyer Comment (2025-08-13): [Redacted] accepts please waive and downgrade. FICO score [Redacted].<br>Reviewer Comment (2025-07-28): Updated. Reserves to close are [Redacted] versus [Redacted] based on updated [Redacted] statement. |  |  | 08/13/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220246 | [Redact] |  | 34531957 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report exceeds 90 day maximum. Credit report dated [Redacted]. Closing date [Redacted]. |  |  |  | Reviewer Comment (2025-07-31): Per Guideline Credit report must be Less than Equal to 90 days. Report pulled on [Redacted] which Exactly 90 days from note date. Exception cleared<br>Buyer Comment (2025-07-29): PER LENDER: Per guides, credit report needs to be less than or equal to 90 days old. This is exactly 90 days old, per the [Redacted] calendar. (can do it in excel) | 07/31/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220249 | [Redact] |  | 34531961 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Require verification of mortgage for the month due [Redacted] for current [Redacted] residence "[Redacted]" Creditor: [Redacted]. |  |  |  | Reviewer Comment (2025-08-05): Received [Redacted] Payment for primary residence [Redacted]" . Exception Cleared<br>Buyer Comment (2025-08-01): [Redacted] payment | 08/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220249 | [Redact] |  | 34531962 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lender used Lease agreement to calculate [Redacted] as $[Redacted]/ $[Redacted]= [Redacted] however lease agreement missing with lease start date. Require updated lease agreement with lease start date. |  |  |  | Reviewer Comment (2025-08-05): Lease from previous owner can be used. Cleared.<br>Buyer Comment (2025-08-01): Lender's response: This is a purchase transaction. This can be treated as vacant if need be. This is a lease from the previous owner - so we knew it was in place before the purchase transaction. Please clear. | 08/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220249 | [Redact] |  | 34531963 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-07-28): Acknowledged non-material |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220249 | [Redact] |  | 34531964 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (2025-07-28): Acknowledged non-material |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220257 | [Redact] |  | 34531987 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a cash out letter of explanation. |  |  |  | Reviewer Comment (2025-07-28): Received Signed Cash out Letter from borrower. Exception Cleared<br>Buyer Comment (2025-07-25): Cash Out Letter | 07/28/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9220270 | [Redact] |  | 34531996 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | Patriot Act Disclosure & Driver license is missing |  |  |  | Reviewer Comment (2025-07-31): Driver's License received as alternate document. Exception Cleared<br>Buyer Comment (2025-07-30): ID<br>Buyer Comment (2025-07-30): Lender's comment: we do not require the patriot act disclosure. AML attached<br>Buyer Comment (2025-07-29): Attached driver's license. Further we do not require the patriot act disclosure. AML attached also. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220270 | [Redact] |  | 34531997 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Third party fraud report is missing in file for entity [Redacted], in provided fraud report watchlist entity name is not reflecting |  |  |  | Reviewer Comment (2025-08-01): Third party Fraud Report for business entity not require per Guideline . Exception Cleared<br>Buyer Comment (2025-07-30): Lender's comments: This is not required per guides. Further, this is also a purchase with a new entity. There would be no way of this showing up on the fraud report. Attached COGS as well. | 08/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220270 | [Redact] |  | 34532000 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] SB270 Prepayment Penalty Test 2009 Investment Test | [Redacted] [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Buyer Comment (2025-07-29): Acknowledged non-material |  |  | 07/29/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9220262 | [Redact] |  | 34532001 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Cash Out Letter of Explanation. |  |  |  | Reviewer Comment (2025-08-04): Received Cash out LOX in trailing document document and not uploaded in acuity yet. Exception Cleared<br>Buyer Comment (2025-07-31): Cashout Letter | 08/04/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9220262 | [Redact] |  | 34532002 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Require mortgage loan payoff statement for [Redacted] |  |  |  | Reviewer Comment (2025-08-04): Received Mortgage Payoff statement for subject property Exception Cleared<br>Buyer Comment (2025-07-31): Lender's response: This loan closed along with [Redacted]. The payoff was split between the two and there is no difference which settlement is was allocated to.<br>Reviewer Comment (2025-07-30): Mortgage Loan payoff statement is received, however payoff amount is $[Redacted] whereas HUD showsing Payoff of $[Redacted] . it appears combined Properties Payoff statement, however Payoff statement shows only Subject property address. Exception Remains<br>Buyer Comment (2025-07-28): Payoff Statement | 08/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9220262 | [Redact] |  | 34532003 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Require verification of mortgage for the month due [Redacted] to [Redacted] for guarantor's primary residence "[Redacted] Creditor: [Redacted]. |  |  |  | Reviewer Comment (2025-08-08): Received HELOC Payment History till [Redacted]. exception cleared<br>Buyer Comment (2025-08-07): Lender's response: This is borrower provided proof of payment and balance for their HELOC for the months in question. | 08/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9220263 | [Redact] |  | 34532007 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Cash Out Letter of Explanation . |  |  |  | Reviewer Comment (2025-08-04): Received Cash out letter of Explanation from borrower in Trailing document and not uploaded in acuity yet. Exception cleared<br>Buyer Comment (2025-07-31): Cash out letter | 08/04/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9220263 | [Redact] |  | 34532008 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Missing pay-off statement for [Redacted] #[Redacted]$[Redacted]. |  |  |  | Reviewer Comment (2025-07-29): Payoff provided.<br>Buyer Comment (2025-07-29): pay-off | 07/29/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9220272 | [Redact] |  | 34532025 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum per state |  |  |  | Buyer Comment (2025-07-28): Acknowledged non-material |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| [Redact] | 9220272 | [Redact] |  | 34532026 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | Note grace period days less than minimum per state |  |  |  | Buyer Comment (2025-07-28): Acknowledged non-material |  |  | 07/28/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| [Redact] | 9220272 | [Redact] |  | 34532028 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Please provided Certificate of Good standing for Entity [Redacted] |  |  |  | Reviewer Comment (2025-07-30): Received Certificate of Good standing for [Redacted]. Exception Cleared<br>Buyer Comment (2025-07-29): Certificate of Good Standing | 07/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| [Redact] | 9220272 | [Redact] |  | 34532029 |  | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. | Closed in entity which is an [Redacted]. |  |  |  | Buyer Comment (2025-07-28): Acknowledged non-material<br>Reviewer Comment (2025-07-28): Business purpose loan made to a business entity borrower (LLC/Individual Guarantor), EV2-B based on outside counsel guidance |  |  | 07/28/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| [Redact] | 9220272 | [Redact] |  | 34532030 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Please provide CDA & Appraisal report with borrower name and address matches with note document |  |  |  | Reviewer Comment (2025-08-15): CDA with entity provided. Cleared.<br>Buyer Comment (2025-08-15): CDA with entity name listed.<br>Reviewer Comment (2025-08-12): Provide an updated CDA with the borrower or guarantor name.<br>Buyer Comment (2025-08-11): [Redacted] Resolution<br>Buyer Comment (2025-08-11): Lender's response: This was my fault being unclear to the underwriters. However, [Redacted] is [Redacted] husband. They live together, and used to own the property together under the entity "[Redacted].". Further, [Redacted] does have signing power for the entity (attached). The CDA is to confirm the value, and this is a minor part, that technically is still correct. Please clear.<br>Reviewer Comment (2025-08-08): Received Appraisal with change in Borrower name and address per Note, however for CDA Address matched with Note, however Borrower name is not matching. Provide update CDA name with borrower or guarantor name. [Redacted] is not borrower or Guarantor<br>Buyer Comment (2025-08-07): Revised appraisal<br>Buyer Comment (2025-08-07): Revised CDA | 08/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| [Redact] | 9220272 | [Redact] |  | 34532031 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing cash out utilization LOX |  |  |  | Reviewer Comment (2025-08-06): Attestation provided.<br>Buyer Comment (2025-08-04): Letter of attestation stating the spirit of the guidelines is to allow the BPC in lieu of a Cash out letter.<br>Reviewer Comment (2025-07-30): Per Guideline for cash out Transaction LOE will be required for closing. Exception Remains<br>Buyer Comment (2025-07-29): BPC | 08/06/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| [Redact] | 9251426 | [Redact] |  | 34601700 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrower's credit score of [Redacted] is below minimum required score of [Redacted] for [Redacted] program. Although loan was originally locked as a [Redacted]. it was later changed and subsequently approved as a[Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to [Redacted]%. | Actual Reserves: $[Redacted]<br> Required Reserves: $[Redacted]<br>Combined Loan to Value: [Redacted]%<br> Guideline Maximum Combined Loan to Value: [Redacted]%<br>DTI: [Redacted]% <br> Guideline Maximum DTI: [Redacted]% | [Redact]<br>Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-08-01): Lender approved exception in file. Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-29): Submitted Exception form for review. |  |  | 08/01/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9251426 | [Redact] |  | 34601701 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower's credit score of [Redacted] is below minimum required score of [Redacted] for[Redacted] program. |  |  |  | Reviewer Comment (2025-08-01): Received lender exception approval<br>Buyer Comment (2025-07-29): Submitted Exception form for review. | 08/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9689678 | [Redact] | [Redact] | 34604340 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-16): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-14): (Rate Lock) [Redacted] | 10/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9689678 | [Redact] | [Redact] | 34711163 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9217343 | [Redact] |  | 34801534 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is not provided. |  |  |  | Reviewer Comment (2025-07-24): Hazard Insurance Policy received. Exception Cleared.<br>Buyer Comment (2025-07-23): The HOI policy was provided in the initial shipping package, [Redacted] appears to have broken up the policy as follows, Doc ID's [Redacted] page [Redacted], [Redacted]pages [Redacted]- [Redacted]and [Redacted] page [Redacted]. | 07/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9217319 | [Redact] |  | 34801540 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Lender exception request for loan amount of $[Redacted] which is above guideline maximum of $[Redacted] is approved. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves: [Redacted]<br> Guideline Requirement: [Redacted]<br>DTI: [Redacted]% <br> Guideline Maximum DTI: [Redacted]%<br>Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | [Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-07-25): Client elects to waive with compensating factors. |  |  | 07/25/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9217319 | [Redact] |  | 34801543 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for loan amount of $[Redacted] which is above guideline maximum of $[Redacted] is approved. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves: [Redacted]<br> Guideline Requirement: [Redacted]<br>DTI: [Redacted]% <br> Guideline Maximum DTI: [Redacted]%<br>Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | [Redact]<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-07-25): Client elects to waive with compensating factors. |  |  | 07/25/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801545 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception with request for [Redacted]% LTV on a $[Redacted] rate/term vs guideline maximum allowable amount of [Redacted]% LTV is in file, not yet approved. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-08-01): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-29): Approved credit exception uploaded for review. |  |  | 08/01/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801546 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted], [Redacted]statement for account ending in #[Redacted]. |  |  |  | Reviewer Comment (2025-07-31): Bank Statement received.<br>Buyer Comment (2025-07-30): [Redacted] statement for [Redacted] account uploaded for review.<br>Reviewer Comment (2025-07-30): File is missing copy of bank statement #[Redacted] for the month of [Redacted]. exception remains.<br>Buyer Comment (2025-07-29): Per the bank statement worksheet provided Doc ID [Redacted] the asset statements for [Redacted] are [Redacted] thru[Redacted] representing [Redacted] months, [Redacted] would not be required. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801548 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing [Redacted], [Redacted]statement for account ending in #[Redacted]. |  |  |  | Reviewer Comment (2025-07-31): Bank Statement received.<br>Buyer Comment (2025-07-30): [Redacted] statement for [Redacted] account uploaded to trailing docs for review.<br>Reviewer Comment (2025-07-30): File is missing copy of bank statement #[Redacted] for the month of [Redacted]. exception remains.<br>Buyer Comment (2025-07-29): Per the bank statement worksheet provided Doc ID [Redacted] the asset statements for [Redacted] are [Redacted] thru [Redacted] representing [Redacted] months, [Redacted] would not be required. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801549 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-07-30): Appraisal Delivery confirmation and waiver was provided, exception cleared.<br>Buyer Comment (2025-07-29): Proof that the initial appraisal reports were provided to the borrower were provided in the initial shipping package, Doc ID [Redacted] page [Redacted] which reflects the borrower received the initial appraisal reports on [Redacted]. The revised report was provided to the borrower at the time of closing with all other reports per the closing instructions Doc ID [Redacted] page [Redacted] , in conjunction with the acknowledgements Doc ID [Redacted] page [Redacted] and [Redacted] page [Redacted] , as well as the appraisal waiver Doc ID [Redacted]. | 07/30/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801551 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing [Redacted], [Redacted]statement for account ending in #[Redacted]. |  |  |  | Reviewer Comment (2025-07-31): Bank Statement received.<br>Buyer Comment (2025-07-30): [Redacted] statement for [Redacted] account uploaded to trailing docs for review.<br>Reviewer Comment (2025-07-30): File is missing copy of bank statement #[Redacted] for the month of [Redacted]. exception remains.<br>Buyer Comment (2025-07-29): Per the bank statement worksheet provided Doc ID [Redacted] the asset statements for [Redacted] are [Redacted] thru [Redacted] representing [Redacted] months, [Redacted] would not be required. | 07/31/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9217352 | [Redact] |  | 34801552 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Bank Statement is missing for account#[Redacted], due to which this exception fired. |  |  |  | Reviewer Comment (2025-07-31): Bank Statement received.<br>Buyer Comment (2025-07-30): [Redacted] statement for [Redacted] account uploaded to trailing docs for review.<br>Reviewer Comment (2025-07-30): File is missing copy of bank statement #[Redacted]for the month of [Redacted]. exception remains.<br>Buyer Comment (2025-07-29): Per the bank statement worksheet provided [Redacted] the asset statements for [Redacted] are [Redacted] thru [Redacted] representing [Redacted] months, [Redacted] would not be required. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as $-[Redacted]. and then changed to $-[Redacted]. Chane of circumstance provided but reason for fee credit decrease is not valid. Sufficient cure for borrower not provided. |  |  |  | Reviewer Comment (2025-07-31): [Redacted] received rebuttal and as per available rate lock, COC and exception letter.<br>Buyer Comment (2025-07-30): The exception was approved on [Redacted], this had to be reviewed and sent for relocked which occurred on [Redacted], the same date as the COC in file [Redacted] , 3 business days from the date the loan was relocked is [Redacted] at which time the loan was redisclosed in accordance to regulatory requirements.<br>Reviewer Comment (2025-07-30): [Redacted] received exception request form, however exception approved is dated [Redacted] and credit decreased on [Redacted] which is not within 3 days of COC. Please provide valid COC within 3 days or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-29): The COC provided under [Redacted] provides sufficient information and points to the lock confirmation Doc ID [Redacted] & [Redacted] pages [Redacted] - [Redacted] which outlines the adjustments for the decrease in the lender credits. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9217352 | [Redact] |  | 34801557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | LE dated [Redacted]; initial CD dated [Redacted]. Initial CD reflect incorrect loan amount , however signed by borrower. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] received rebuttal suffice<br>Buyer Comment (2025-07-29): The closing disclosure referenced in your finding Doc ID [Redacted] is from the original refinance transaction under loan# [Redacted] (not this loan), which is noted on the title report Doc ID [Redacted] page [Redacted] , as the current lien being paid with this transaction loan# [Redacted]. The closing disclosures for this transaction are [Redacted] (initial CD), [Redacted](revised CD) and [Redacted](final CD). | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801558 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | LE dated [Redacted]; initial CD dated [Redacted]. Initial CD reflect incorrect loan amount , however signed by borrower. |  |  |  | Reviewer Comment (2025-07-30): [Redacted] received rebuttal suffice<br>Buyer Comment (2025-07-29): The closing disclosure referenced in your finding Doc ID [Redacted] is from the original refinance transaction under loan# [Redacted] (not this loan), which is noted on the title report Doc ID [Redacted] page [Redacted] , as the current lien being paid with this transaction loan# [Redacted]. The closing disclosures for this transaction are [Redacted](initial CD), [Redacted](revised CD) and [Redacted](final CD). | 07/30/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801559 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Lender exception with request for [Redacted]% LTV on a $[Redacted] rate/term vs guideline maximum allowable amount of [Redacted]% LTV is in file, not yet approved. |  |  |  | Reviewer Comment (2025-08-01): Cleared. Received lender exception approval.<br>Buyer Comment (2025-07-29): Approved credit exception uploaded to trailing docs for review. | 08/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801560 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Lender exception with request for [Redacted]% LTV on a $[Redacted] cash-out vs guideline maximum allowable amount of [Redacted]% LTV is in file, not yet approved. |  |  |  | Reviewer Comment (2025-08-01): Cleared. Received lender exception approval.<br>Buyer Comment (2025-07-29): Approved credit exception uploaded to trailing docs for review. | 08/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801561 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing [Redacted] statement for account ending in #[Redacted]. |  |  |  | Reviewer Comment (2025-07-31): Bank Statement received.<br>Buyer Comment (2025-07-30): [Redacted] statement for [Redacted] account uploaded to trailing docs for review.<br>Reviewer Comment (2025-07-30): File is missing copy of bank statement #[Redacted] for the month of [Redacted]. exception remains.<br>Buyer Comment (2025-07-29): Per the bank statement worksheet provided[Redacted] the asset statements for [Redacted] are [Redacted] thru[Redacted] representing [Redacted] months, [Redacted] would not be required. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801562 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing income: file is missing [Redacted] statement for account ending in #[Redacted]. |  |  |  | Reviewer Comment (2025-07-31): Bank Statement received.<br>Buyer Comment (2025-07-30): [Redacted] statement for [Redacted] account uploaded to trailing docs for review.<br>Reviewer Comment (2025-07-30): File is missing copy of bank statement #[Redacted] for the month of [Redacted]. exception remains.<br>Buyer Comment (2025-07-29): Per the bank statement worksheet provided [Redacted] the asset statements for [Redacted] are [Redacted] thru [Redacted] representing [Redacted] months, [Redacted] would not be required. | 07/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801563 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-07-30): Appraisal Delivery confirmation and waiver was provided, exception cleared.<br>Buyer Comment (2025-07-29): Proof that the initial appraisal reports were provided to the borrower were provided in the initial shipping package, Doc ID [Redacted] page [Redacted] which reflects the borrower received the initial appraisal reports on [Redacted]. The revised report was provided to the borrower at the time of closing with all other reports per the closing instructions Doc ID [Redacted] page [Redacted] , in conjunction with the acknowledgements Doc ID [Redacted] page [Redacted] and [Redacted] page [Redacted] , as well as the appraisal waiver Doc ID [Redacted]. | 07/30/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9217352 | [Redact] |  | 34801564 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-07-30): Appraisal Delivery confirmation and waiver was provided, exception cleared.<br>Buyer Comment (2025-07-29): Proof that the initial appraisal reports were provided to the borrower were provided in the initial shipping package, Doc ID [Redacted] page [Redacted] which reflects the borrower received the initial appraisal reports on [Redacted]. The revised report was provided to the borrower at the time of closing with all other reports per the closing instructions Doc ID [Redacted] page [Redacted], in conjunction with the acknowledgements Doc ID [Redacted] page [Redacted] and [Redacted] page [Redacted] , as well as the appraisal waiver Doc ID [Redacted]. | 07/30/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9251230 | [Redact] |  | 34801567 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted]due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-04): Changed of Circumstance provided. Exception Cleared.<br>Seller Comment (2025-08-01): Please refer to initial CD, changes to the recording fee was disclosed,<br> Initial CD.pdf (Unclassified) was uploaded | 08/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9251230 | [Redact] |  | 34801568 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-04): Letter of explanation received. Property is land only. Exception Cleared.<br>Seller Comment (2025-08-01): HOI LOX.pdf (Unclassified) was uploaded | 08/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251463 | [Redact] |  | 34801579 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification.<br>Buyer Comment (2025-08-01): Submitted entity docs reflecting borrower as sole member of [Redacted] with said entity being sole member of [Redacted]. | 08/06/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9251463 | [Redact] |  | 34801580 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | ATR failure due to missing income documentation: Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification.<br>Buyer Comment (2025-08-01): Submitted entity docs reflecting borrower as sole member of [Redacted] with said entity being sole member of [Redacted]. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251463 | [Redact] |  | 34801581 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification.<br>Buyer Comment (2025-08-01): Submitted entity docs reflecting borrower as sole member of [Redacted] with said entity being sole member of [Redacted]. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251463 | [Redact] |  | 34801582 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification. | 08/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251463 | [Redact] |  | 34801583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to missing income documentation: Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification.<br>Buyer Comment (2025-08-01): Submitted entity docs reflecting borrower as sole member of [Redacted] with said entity being sole member of [Redacted]. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251463 | [Redact] |  | 34801584 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification.<br>Buyer Comment (2025-08-01): Submitted entity docs reflecting borrower as sole member of [Redacted] with said entity being sole member of [Redacted]. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251463 | [Redact] |  | 34801585 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification and/or CPA letter not provided in file. |  |  |  | Reviewer Comment (2025-08-06): Cleared. Received third party verification.<br>Buyer Comment (2025-08-01): Submitted entity docs reflecting borrower as sole member of [Redacted] with said entity being sole member of [Redacted]. | 08/06/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9251386 | [Redact] |  | 34801606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing income documentation: Business narrative for co-borrowers' income from [Redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-27): Received business narrative.<br>Buyer Comment (2025-08-22): Business Narrative for [Redacted] uploaded to trailing docs for review. | 08/27/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9251386 | [Redact] |  | 34801607 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR risk due to missing income documentation: Business narrative for co-borrowers' income from [Redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-27): Received business narrative.<br>Buyer Comment (2025-08-22): Business Narrative for [Redacted] uploaded to trailing docs for review. | 08/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9251386 | [Redact] |  | 34801608 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing income documentation: Business narrative for co-borrowers' income from [Redacted] not provided in file. |  |  |  | Reviewer Comment (2025-08-27): Received business narrative.<br>Buyer Comment (2025-08-22): Business Narrative for[Redacted] uploaded for review. | 08/27/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9251325 | [Redact] |  | 34801622 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to use asset depletion from account owned by non-occupying co-borrower is approved. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | [Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-09-04): Client elects to waive with compensating factors. |  |  | 09/04/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9251330 | [Redact] |  | 34801626 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-09-17): Received Appraisal Notice dated [Redacted]. Exception cleared.<br>Buyer Comment (2025-09-12): Proof that appraisal [Redacted] was sent to the borrower can be located in your portal Doc ID [Redacted] page [Redacted], sent on [Redacted] withe presumed receipt date [Redacted] and appraisal waiver Doc ID [Redacted]. Proof that appraisal [Redacted] was sent and received on [Redacted] can be located in your portal Doc ID [Redacted] page [Redacted], which was 3 business days prior to closing on [Redacted]. All ECOA requirements were met. | 09/17/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9241918 | [Redact] |  | 34852890 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing the evidence of the Guarantors ownership percentage of [Redacted] for use of business funds for closing. |  |  |  | Reviewer Comment (2025-07-09): Guarantor owns [Redacted]%, exception cleared<br>Buyer Comment (2025-07-09): see attached<br>Reviewer Comment (2025-07-03): Per guidelines - The borrowers on the loan must have [Redacted]% ownership of the business and must be the owners of the account. No documentation in file to confirm this.<br>Buyer Comment (2025-07-02): Account is in guarantor's name. | 07/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9241918 | [Redact] |  | 34852891 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide a copy of Lead Based paint Disclosure for the subject property as the property is built prior the year [Redacted]. |  |  |  | Reviewer Comment (2025-07-03): Not applicable<br>Buyer Comment (2025-06-27): not applicable to [Redacted] loans. | 07/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9241919 | [Redact] |  | 34852893 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary residence is within [Redacted] miles from subject property where guarantor lives rent free and this is not permissible as per guidelines. The guarantor is required to provide an adequate explanation with supporting documentation on why they live and plan to remain in their current primary residence. |  |  |  | Reviewer Comment (2025-07-21): Lease agreement and proof of Deposit payment provided.<br>Buyer Comment (2025-07-21): see attached lease and proof of lease payment<br>Reviewer Comment (2025-07-18): A lease can b accepted but no lease and security deposit not provided.<br>Buyer Comment (2025-07-16): LOE attached<br>Reviewer Comment (2025-07-16): Letter of explanation required per guidelines not provided. Exception remains.<br>Buyer Comment (2025-07-09): Explanation is what we previously stated, 'Subject property has a new lease in place with proof of security deposit with tenants moving in [Redacted]. This has been cleared by [Redacted] as well.'<br>Reviewer Comment (2025-07-07): Require an explanation, per guideline's. Exception remains.<br>Buyer Comment (2025-07-07): This was cleared on the pre close end. Subject property has a new lease in place with proof of security deposit with tenants moving in [Redacted]. This has been cleared by [Redacted] as well. | 07/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9241919 | [Redact] |  | 34852894 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Bylaws were incorporated on [Redacted] but signed on [Redacted]. Please provide a complete amendment history or a fully executed, verified copy signed by all shareholder(s). |  |  |  | Reviewer Comment (2025-07-18): Bylaws provided<br>Buyer Comment (2025-07-16): By laws were never drafted by the borrower because they were not needed at the time which is why they are signed after the incorporation.<br>Reviewer Comment (2025-07-16): Uploaded document is the same Bylaws that were incorporated on [Redacted] but signed on [Redacted]. File is missing complete amendment history or a fully executed, verified copy signed by all shareholder(s). Exception remains<br>Buyer Comment (2025-07-09): Corporate by-laws attached; [Redacted] is the sole shareholder per line [Redacted].<br>Reviewer Comment (2025-07-07): File is missing complete amendment history or a fully executed, verified copy signed by all shareholder(s). Exception remains<br>Buyer Comment (2025-07-07): this has been cleared in the pre close. Please clear. | 07/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9241919 | [Redact] |  | 34852895 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit Application ([Redacted]) does not match applicant's full name with ID. The loan amount and interest rate rate does not match with subject loan. |  |  |  | Reviewer Comment (2025-07-16): Final application provided<br>Buyer Comment (2025-07-15): final loan app attached<br>Reviewer Comment (2025-07-07): Please provide final loan application, exception remains.<br>Buyer Comment (2025-07-07): the loan application was signed 2 months prior to actual closing | 07/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.2 - Schedule 2**

![](situsamc-logo.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 11/5/2025 8:59:36 AM** |

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redact] | 6074685 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 6853382 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 5083122 | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 8064345 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 8063238 | [Redact] |  |  | D | C | D | D | A | A | A | A |  |
| [Redact] | 8101233 | [Redact] |  |  | C | A | D | D | A | A | A | A |  |
| [Redact] | 9026945 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9061656 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9076182 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9083327 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9088007 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9090374 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9097954 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9104666 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9134055 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9134550 | [Redact] | [Redact] |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9081693 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9162898 | [Redact] | [Redact] |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9167143 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9167154 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9167860 | [Redact] | [Redact] |  | B | C | A | C | A | B | A | B |  |
| [Redact] | 9180355 | [Redact] | [Redact] |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9131278 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131273 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9131280 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9176102 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9176471 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9176532 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9178168 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9178821 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9180195 | [Redact] | [Redact] |  | B |  | A | B | B |  | A | B |  |
| [Redact] | 9180197 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9085453 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9180809 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9180806 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9180810 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9183153 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9183214 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9185163 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9175036 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175043 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175047 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175049 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175051 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9175052 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175055 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9175060 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9175075 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9175080 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9175090 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175094 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9175095 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175102 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9175108 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9186010 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9186507 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9187092 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9187735 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9187737 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9190410 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9191726 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9191730 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9192929 | [Redact] | [Redact] |  | B |  | A | B | B |  | A | B |  |
| [Redact] | 9193687 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9193696 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9193700 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9193708 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9194904 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9195047 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9054688 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9054670 | [Redact] |  |  | D | B | A | D | B | B | A | B |  |
| [Redact] | 9054674 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9054683 | [Redact] |  |  | D | B | A | D | B | B | A | B |  |
| [Redact] | 9054677 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9054681 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9054679 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9054676 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9054678 | [Redact] |  |  | C D | B | A | C D | B | B | A | B |  |
| [Redact] | 9196077 | [Redact] | [Redact] |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9196089 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9197039 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9197059 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9197061 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9197249 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9197309 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9198452 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9198449 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9198447 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9198451 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9198460 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9198462 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9186312 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9085353 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9199412 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9200289 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9200287 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9201240 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9201732 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9201731 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9202626 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9203460 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9203720 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9203806 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9203985 | [Redact] | [Redact] |  | C | C | A | C | B | A | A | B |  |
| [Redact] | 9204925 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9204926 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9205898 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9206080 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9206121 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9158563 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9208099 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9208100 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9208107 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9208109 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9208135 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9208133 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9209276 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9211091 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9211092 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9211098 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9220703 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9211447 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9211451 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9211453 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9211455 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9211458 | [Redact] | [Redact] |  | C | C | A | C | B | A | A | B |  |
| [Redact] | 9211462 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9211463 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9213077 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9213409 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9214117 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9214158 | [Redact] | [Redact] |  | C | B | D | D | B | B | A | B |  |
| [Redact] | 9214160 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9214295 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9214547 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9214556 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9215664 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9215973 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9215976 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9216093 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9216089 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9216094 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9216088 | [Redact] | [Redact] |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9216099 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9216101 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9216108 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9216844 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9216849 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9216855 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9216867 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9216872 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9216877 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9217151 | [Redact] | [Redact] |  | A | B | A | B | B | B | A | B |  |
| [Redact] | 9217157 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9217155 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9217161 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9217163 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9213056 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9213019 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9213027 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9213041 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9198117 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9198119 | [Redact] |  |  | C | C | A | C | B |  | A | B |  |
| [Redact] | 9198121 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9198125 | [Redact] |  |  | C | B | A | C | A |  | A | A |  |
| [Redact] | 9198130 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198132 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198138 | [Redact] |  |  | C | B | A | C | A |  | A | A |  |
| [Redact] | 9198146 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198148 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198157 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198163 | [Redact] |  |  | B | B | A | B | B |  | A | B |  |
| [Redact] | 9198164 | [Redact] |  |  | C | B | A | C | A |  | A | A |  |
| [Redact] | 9198165 | [Redact] |  |  | C | C | A | C | A |  | A | A |  |
| [Redact] | 9198167 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198173 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198175 | [Redact] |  |  | C | B | A | C | A |  | A | A |  |
| [Redact] | 9198187 | [Redact] |  |  | A | B | A | B | A |  | A | A |  |
| [Redact] | 9198191 | [Redact] |  |  | A | C | A | C | A |  | A | A |  |
| [Redact] | 9198192 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9198193 | [Redact] |  |  | C | B | A | C | A |  | A | A |  |
| [Redact] | 9198207 | [Redact] |  |  | A | C | A | C | A |  | A | A |  |
| [Redact] | 9217421 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9155768 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9218028 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9218040 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218035 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218042 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218072 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218078 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218150 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9218152 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9218154 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9218155 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218586 | [Redact] | [Redact] |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9218587 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218589 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9218590 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9213020 | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| [Redact] | 9213051 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9213069 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9213065 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9220275 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220276 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9220367 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9220373 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220374 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220376 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9220378 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220491 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220699 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9220774 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9213012 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9213064 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9213011 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9213047 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9213022 | [Redact] |  |  | D | B | A | D | A | A | A | A |  |
| [Redact] | 9213042 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9213016 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9222259 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9222271 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9239459 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9222445 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9222444 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9222465 | [Redact] | [Redact] |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9222479 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9222478 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9222480 | [Redact] | [Redact] |  | B | B C | A | B C | B | A | A | B |  |
| [Redact] | 9222485 | [Redact] | [Redact] |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9226559 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9226737 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9226753 | [Redact] | [Redact] |  | C | C | A | C | B | B | A | B |  |
| [Redact] | 9226757 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9226751 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9226754 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9226760 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9227569 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9227574 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9229952 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9229979 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9230075 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9230077 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9230630 | [Redact] | [Redact] |  | C | D | A | D | A | A | A | A |  |
| [Redact] | 9230744 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9231309 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9231304 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9231307 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9231311 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9231406 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9231407 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9232764 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9213052 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9213067 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9213036 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9213048 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9232854 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9232870 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9233114 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9233116 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9233119 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9233127 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9233125 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9235848 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9213024 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9213049 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9235862 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9236111 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9237052 | [Redact] | [Redact] |  | D | A | D | D | A | A | A | A |  |
| [Redact] | 9237254 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9237478 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9237482 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9237522 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9237523 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9237524 | [Redact] | [Redact] |  | A | B | C | C | A | B | A | B |  |
| [Redact] | 9237526 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9213068 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9237962 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9237983 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9237987 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9238168 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9238167 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9238217 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9238221 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9238223 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9238548 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9238981 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9239001 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9239395 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9239398 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9239469 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9239633 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9239641 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9239640 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9239639 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9239727 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9171605 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9239909 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240354 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240359 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240357 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240368 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240372 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9240373 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9240374 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240375 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9240445 | [Redact] | [Redact] |  | C | C | A | C | B | A | A | B |  |
| [Redact] | 9240455 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9240454 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9240444 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9240448 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9240763 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9241118 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9241121 | [Redact] | [Redact] |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9241120 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9241315 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9242565 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9242728 | [Redact] | [Redact] |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9242735 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9242840 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9242927 | [Redact] | [Redact] |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9242929 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9242937 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9242942 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9242941 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9242954 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9140987 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9243136 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9243130 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9243129 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9243515 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9245500 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9243854 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9243842 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9243859 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9243863 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9245503 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9245564 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9240456 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240457 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240458 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240459 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240461 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240462 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240463 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240464 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240465 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240466 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240467 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240468 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240469 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240470 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240471 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240472 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240473 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240474 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240475 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240476 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240477 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240479 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240480 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240481 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240482 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240483 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240484 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240485 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240486 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240487 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240488 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240489 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240490 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240491 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240492 | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| [Redact] | 9240493 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240494 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240495 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240496 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240497 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240498 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240499 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240500 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240501 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240502 | [Redact] |  |  | D |  | A | D | A |  | A | A |  |
| [Redact] | 9240503 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240504 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240505 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240506 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240507 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240508 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240509 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240510 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240511 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240512 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240513 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240514 | [Redact] |  |  | C |  | A | C | B |  | A | B |  |
| [Redact] | 9240515 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240516 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240517 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240518 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240519 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240520 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240521 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240522 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240523 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240524 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240525 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240526 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240527 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240528 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240529 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240530 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240531 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240532 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240533 | [Redact] |  |  | B |  | A | B | B |  | A | B |  |
| [Redact] | 9240534 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240535 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240536 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240537 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240538 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240539 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240540 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240541 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240542 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240543 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240544 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240545 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240546 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9240547 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240548 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9240549 | [Redact] |  |  | A |  | A | A | A |  | A | A |  |
| [Redact] | 9245778 | [Redact] | [Redact] |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9245796 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9245979 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9245988 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9245992 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9245996 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9245994 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9246355 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9246582 | [Redact] | [Redact] |  | B | B | A | B | B | B | A | B |  |
| [Redact] | 9246864 | [Redact] | [Redact] |  | D | A | D | D | A | A | A | A |  |
| [Redact] | 9246860 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9220492 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9190408 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9247915 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9248282 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9248469 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9248795 | [Redact] | [Redact] |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9248812 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9248878 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9248895 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9249305 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9250773 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9213170 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9213173 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9213167 | [Redact] |  |  | C | C | A | C | A | B | A | B |  |
| [Redact] | 9252095 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9301735 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238914 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9238917 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238921 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238904 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238910 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238916 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9238912 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238911 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9238913 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9238905 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9238918 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9238906 | [Redact] |  |  | C | B | A | C | B | B | A | B |  |
| [Redact] | 9238908 | [Redact] |  |  | C | C | A | C | B | B | A | B |  |
| [Redact] | 9238909 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238915 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238922 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238924 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238926 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238927 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9238929 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9238907 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238925 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238928 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238930 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238933 | [Redact] |  |  | B | C | A | C | B | A | A | B |  |
| [Redact] | 9238923 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9238931 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9238920 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9238932 | [Redact] |  |  | A | C | A | C | A | B | A | B |  |
| [Redact] | 9238919 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9305606 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9217159 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9237992 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9206126 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9204928 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9204716 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9226767 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9217147 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9237985 | [Redact] |  |  | B | A | A | B | A | A | A | A |  |
| [Redact] | 9357220 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9211448 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9237483 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9158968 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9187098 | [Redact] |  |  | C | A | C | C | A | A | A | A |  |
| [Redact] | 9239473 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9199392 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9199074 | [Redact] |  |  | D | B | A | D | A | B | A | B |  |
| [Redact] | 9238567 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9199083 | [Redact] |  |  | D | A | A | D | A | A | A | A |  |
| [Redact] | 9230072 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9369926 | [Redact] | [Redact] |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9377891 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9386005 | [Redact] | [Redact] |  | A | A | C | C | A | A | A | A |  |
| [Redact] | 9386012 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9222202 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9230043 | [Redact] |  |  | C | B | A | C | A | A | A | A |  |
| [Redact] | 9447888 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9498486 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9498496 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9500979 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9501869 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9501878 | [Redact] | [Redact] |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9204968 | [Redact] |  |  | B | C | A | C | B | B | A | B |  |
| [Redact] | 9204970 | [Redact] |  |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9204983 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9555312 | [Redact] | [Redact] |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9606078 | [Redact] | [Redact] |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9214139 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9213412 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9220245 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9220246 | [Redact] |  |  | C | C | C | C | B | B | A | B |  |
| [Redact] | 9220249 | [Redact] |  |  | C | B | A | C | A | B | A | B |  |
| [Redact] | 9220255 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220256 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9220257 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9220270 | [Redact] |  |  | C | A | A | C | A | B | A | B |  |
| [Redact] | 9220262 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9220263 | [Redact] |  |  | C D | A | A | C D | A | A | A | A |  |
| [Redact] | 9220272 | [Redact] |  |  | C D | C | A | C D | A | B | A | B |  |
| [Redact] | 9251426 | [Redact] |  |  | C | A | A | C | B | A | A | B |  |
| [Redact] | 9217356 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9689678 | [Redact] | [Redact] |  | A | B | A | B | A | B | A | B |  |
| [Redact] | 9217224 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9217375 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9217343 | [Redact] |  |  | C | A | A | C | A | A | A | A |  |
| [Redact] | 9217319 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9217352 | [Redact] |  |  | C | C | A | C | B | A | A | B |  |
| [Redact] | 9251230 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9251463 | [Redact] |  |  | C | C | A | C | A | A | A | A |  |
| [Redact] | 9251433 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9251386 | [Redact] |  |  | A | C | A | C | A | A | A | A |  |
| [Redact] | 9251370 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9251405 | [Redact] |  |  | A | A | A | A | A | A | A | A |  |
| [Redact] | 9251325 | [Redact] |  |  | B | A | A | B | B | A | A | B |  |
| [Redact] | 9251330 | [Redact] |  |  | A | B | A | B | A | A | A | A |  |
| [Redact] | 9241918 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |
| [Redact] | 9241919 | [Redact] |  |  | C |  | A | C | A |  | A | A |  |

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## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.2 - Schedule 3**

![](situsamc-logo.jpg)

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| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 11/4/2025 11:36:34 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redact] | 6074685 | [Redact] | [Redact] |  | Borrower Citizenship | Permanent Resident Alien | Non-Permanent Resident Alien | Verified | Field value reflects source document |
| [Redact] | 8063238 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9026945 | [Redact] |  |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| [Redact] | 9061656 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9076182 | [Redact] |  | [Redact] | Original CLTV | 58.82 | 56.81818 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9083327 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9088007 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9088007 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9090374 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9097954 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9097954 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41 | 44.07364 | Verified | 1008 DTI 44.296% |
| [Redact] | 9097954 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9104666 | [Redact] |  |  | Property Type | Multi Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9104666 | [Redact] |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| [Redact] | 9104666 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9104666 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.32 | Verified | DSCR used Market Rent [Redact] (used 75% of ADU) /PITIA of [Redact](Taxes [Redact] + HOI [Redact] + P&I [Redact])=1.63 |
| [Redact] | 9134055 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 60 |  | Verified | PPP was removed with post-close documentation |
| [Redact] | 9134055 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 16.116 | 49.88825 | Verified | 1008 DTI 49.888% |
| [Redact] | 9081693 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9081693 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9167860 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9131278 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9131278 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131278 | [Redact] |  |  | Decision System |  | DU | Verified | Field value reflects source document |
| [Redact] | 9131273 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9131273 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9131273 | [Redact] |  |  | Representative FICO | 806 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9131273 | [Redact] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9131273 | [Redact] |  |  | Original CLTV | 56.6 | 50.84746 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9131273 | [Redact] |  |  | Original LTV | 56.6 | 50.84746 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9131280 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9176102 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Flood Insurance Escrowed. |
| [Redact] | 9178168 | [Redact] |  | [Redact] | Representative FICO | 669 | 694 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9178821 | [Redact] |  | [Redact] | Representative FICO | 776 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9180195 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9180197 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 29.705 | 41.27098 | Verified | Unable to verify due to missing information |
| [Redact] | 9180197 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9085453 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9085453 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.57 | Verified | Per Deal Overview, the actual rent does not match the verified lease in the file; in addition, the Note Rate is reflected as [Redact]; however, the Note reflects [Redact]. |
| [Redact] | 9180809 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9180809 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.971 | 23.16914 | Verified | 1008 DTI 27.937% |
| [Redact] | 9180810 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9180810 | [Redact] |  | [Redact] | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9180810 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41.953 | 23.3938 | Verified | 1008 DTI 27.959% |
| [Redact] | 9183153 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9175036 | [Redact] |  |  | Representative FICO | 751 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9175036 | [Redact] |  |  | Coborrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9175049 | [Redact] |  |  | Representative FICO | 759 | 792 | Verified | Unable to verify due to missing information |
| [Redact] | 9175049 | [Redact] |  |  | Original LTV | 54.55 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9175049 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.73 | 1.60 | Verified | lower lease amounts identified on appraisal used to qualify |
| [Redact] | 9175052 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9175052 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9175052 | [Redact] |  |  | Representative FICO | 772 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9175052 | [Redact] |  |  | Original LTV | 71.04 | 79.99062 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9175052 | [Redact] |  |  | Coborrower Citizenship | US Citizen | Permanent Resident Alien | Verified | Field value reflects source document |
| [Redact] | 9175052 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.33 | Verified | Lower market rent used to qualify |
| [Redact] | 9175055 | [Redact] |  |  | Original LTV | 78.71 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9175060 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9175060 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.17 | Verified | Field value reflects source document |
| [Redact] | 9175075 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.23 | Verified | Field value reflects source document |
| [Redact] | 9175080 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9175080 | [Redact] |  |  | Original P&I | [Redact] | [Redact] | Verified | Lender qualified as an I/O but note in file is fully amortized |
| [Redact] | 9175080 | [Redact] |  |  | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| [Redact] | 9175080 | [Redact] |  |  | Interest Only Period | 120 |  | Verified | Field Value reflects 'Interest Only Period' per the Note |
| [Redact] | 9175080 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender qualified as an I/O but note in file is fully amortized |
| [Redact] | 9175080 | [Redact] |  |  | Coborrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9175080 | [Redact] |  |  | Coborrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9175080 | [Redact] |  |  | Coborrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9175080 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.05 | Verified | Lender qualified as an I/O but note in file is fully amortized |
| [Redact] | 9175090 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9175090 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9175090 | [Redact] |  |  | Coborrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9175090 | [Redact] |  |  | Coborrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9175094 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9175094 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9175094 | [Redact] |  |  | Coborrower Citizenship | Permanent Resident Alien | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9175102 | [Redact] |  |  | Appraisal Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Effective Date |
| [Redact] | 9175102 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9186507 | [Redact] |  | [Redact] | Representative FICO | 786 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9186507 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9187092 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 1yr 1099 | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9187092 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9187735 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9187735 | [Redact] |  | [Redact] | Original CLTV | 69.445 | 71.66667 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9191730 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9193687 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9193687 | [Redact] |  | [Redact] | Original CLTV | 48.19 | 40.8998 | Verified | The LTV matches the final 1008 |
| [Redact] | 9193696 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9193696 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9193708 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9193708 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31.817 | 27.14902 | Verified | 1008 DTI 27.148% |
| [Redact] | 9194904 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9194904 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9194904 | [Redact] |  | [Redact] | Original CLTV | 65 | 73.14286 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9194904 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 37.878 | 44.22727 | Verified | 1008 DTI 44.757% |
| [Redact] | 9054688 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9054688 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9054688 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054688 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054670 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9054670 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054670 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054674 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9054674 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054674 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054683 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9054683 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054683 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054677 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9054677 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054677 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054681 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9054681 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054681 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054679 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9054679 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054676 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9054676 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054676 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9054678 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9054678 | [Redact] |  |  | Representative FICO | 711 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9054678 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9196089 | [Redact] |  | [Redact] | Representative FICO | 789 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9196089 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9197039 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9197039 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9197039 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 20.94 | 43.56454 | Verified | 1008 DTI 43.557% |
| [Redact] | 9197061 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9197249 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 49.57 | 44.30791 | Verified | Unable to verify due to missing information |
| [Redact] | 9198452 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9198452 | [Redact] |  | [Redact] | Original CLTV | 64.29 | 61.36364 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9198452 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28.572 | 22.29488 | Verified | Lender included the T&I for the primary twice. Mortgage statement verified it was escrowed. |
| [Redact] | 9198449 | [Redact] |  | [Redact] | Representative FICO | 807 | 805 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9198449 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39.234 | 44.0082 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9198449 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9198447 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9198447 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9198451 | [Redact] |  | [Redact] | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9198451 | [Redact] |  | [Redact] | Original CLTV | 53.659 | 52.00946 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9198460 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9198460 | [Redact] |  | [Redact] | Representative FICO | 711 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9085353 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9200289 | [Redact] |  | [Redact] | Original CLTV | 61.11 | 62.60672 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9200287 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9201240 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9201240 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9201731 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39.83 | 32.09499 | Verified | 1008 DTI 32.095% |
| [Redact] | 9203460 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 5.798 | 2.1132 | Verified | 1008 DTI 2.372% |
| [Redact] | 9203720 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 5.68 | 2.08643 | Verified | 1008 DTI 2.417% |
| [Redact] | 9203806 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9203985 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9206121 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9206121 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.186 | 27.64116 | Verified | 1008 DTI 26.418% |
| [Redact] | 9158563 | [Redact] |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| [Redact] | 9158563 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9158563 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.34 | Verified | Market rent [Redact]/[Redact]=1.34. Lender used PITIA of [Redact], HOI payment was [Redact] while audit verified HOI payment of [Redact] |
| [Redact] | 9208099 | [Redact] |  | [Redact] | Representative FICO | 765 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9208109 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9208135 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9208133 | [Redact] |  | [Redact] | Property Type | Condo | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9208133 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9208133 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28.194 | 24.81524 | Verified | 1008 DTI 24.813% |
| [Redact] | 9209276 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.538 | 48.56358 | Verified | The DTI matches the final 1008 |
| [Redact] | 9211091 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9211098 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9220703 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9220703 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9220703 | [Redact] |  | [Redact] | Original CLTV | 43.284 | 47.68327 | Verified | The LTV matches the final 1008 |
| [Redact] | 9220703 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.538 | 44.43637 | Verified | 1008 DTI 44.981% |
| [Redact] | 9211447 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9211447 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.052 | 36.99544 | Verified | 1008 DTI 36.995% |
| [Redact] | 9211451 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 17.655 | 25.59658 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9211453 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9211453 | [Redact] |  | [Redact] | Representative FICO | 797 | 807 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9211453 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30.683 | 35.30805 | Verified | The Field Value DTI matches the final 1008. |
| [Redact] | 9211455 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9211455 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39.73 | 44.26062 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9211458 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9211458 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9211462 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9211462 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.703 | 37.06295 | Verified | DTI 1008 36.768% |
| [Redact] | 9211463 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9211463 | [Redact] |  | [Redact] | Representative FICO | 764 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9211463 | [Redact] |  | [Redact] | Original CLTV | 45 | 43.67647 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9211463 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9213077 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9214117 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9214117 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9214117 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35 | 38.84572 | Verified | 1008 DTI 38.846% |
| [Redact] | 9214160 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9214160 | [Redact] |  | [Redact] | Representative FICO | 763 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9214295 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 49.899 | 46.77975 | Verified | 1008 DTI 46.779% |
| [Redact] | 9214556 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9214556 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9214556 | [Redact] |  | [Redact] | Original CLTV | 42.8 | 44.53465 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9214556 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.73 | 37.71314 | Verified | 1008 DTI 37.713% |
| [Redact] | 9215664 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9215973 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9215976 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41.758 | 37.70338 | Verified | 1008 DTI 37.703% |
| [Redact] | 9216093 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9216101 | [Redact] |  | [Redact] | Representative FICO | 794 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9216101 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9216108 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9216844 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 7.372 | 12.61019 | Verified | 1008 DTI 12.595% |
| [Redact] | 9216849 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9216849 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9216855 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9216877 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9216877 | [Redact] |  | [Redact] | Original CLTV | 80 | 78.44186 | Verified | Lender included the UCC as a subordinate lien; however per the FNMA selling guide, the solar panel UCC Financing statement should not be included in the CLTV |
| [Redact] | 9217151 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9217151 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9217151 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9217151 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9217161 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9217161 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9217161 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9213041 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9198117 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198119 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9198121 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198121 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.54 | Verified | Field value reflects source document |
| [Redact] | 9198125 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9198130 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9198130 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198130 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.34 | 1.26 | Verified | Field value reflects source document |
| [Redact] | 9198132 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198132 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.79 | 1.97 | Verified | Field value reflects source document |
| [Redact] | 9198148 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9198157 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198157 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.21 | Verified | Field value reflects source document |
| [Redact] | 9198163 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198164 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198165 | [Redact] |  |  | Representative FICO | 791 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9198165 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9198165 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9198165 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198167 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9198167 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9198173 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9198187 | [Redact] |  |  | Representative FICO | 798 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9198191 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.01 | Verified | Field value reflects source document |
| [Redact] | 9198192 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9198192 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.23 | Verified | Field value reflects source document |
| [Redact] | 9198193 | [Redact] |  |  | Representative FICO | 793 | 812 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9198193 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9198193 | [Redact] |  |  | Original LTV | 72 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9198207 | [Redact] |  |  | Representative FICO | 731 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9198207 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9218028 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| [Redact] | 9218028 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Unable to verify due to missing information |
| [Redact] | 9218028 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 30 | 39.8568 | Verified | 1008 DTI 39.801% |
| [Redact] | 9218040 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9218040 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 1000 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9218035 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 46.265 | 19.78859 | Verified | 1008 DTI 19.789% |
| [Redact] | 9218072 | [Redact] |  | [Redact] | Representative FICO | 729 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9218072 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 12 | 35.88328 | Verified | 1008 DTI 35.883% |
| [Redact] | 9218078 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9218152 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9218152 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9218155 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9218155 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 10 | 0.91465 | Verified | 1008 DTI 0.915% |
| [Redact] | 9218586 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9218587 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9218589 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9218589 | [Redact] |  | [Redact] | Original CLTV | 37.778 | 39.53488 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9218589 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 12.197 | 21.58144 | Verified | 1008 DTI 21.581% |
| [Redact] | 9213020 | [Redact] |  |  | Doc Type | 1yr P&L w/Bank Statements | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9213020 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9213069 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9213069 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9213069 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9220367 | [Redact] |  | [Redact] | Representative FICO | 705 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9220374 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9220374 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9220374 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31 | 37.33541 | Verified | 1008 DTI 37.275% |
| [Redact] | 9220491 | [Redact] |  | [Redact] | Representative FICO | 720 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9220491 | [Redact] |  | [Redact] | Property Type | 2 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9220491 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9220491 | [Redact] |  | [Redact] | Original CLTV | 35.29 | 37.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9220491 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9220699 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9220699 | [Redact] |  | [Redact] | Original CLTV | 48.48 | 46.10299 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9220699 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 43.932 | 26.45236 | Verified | 1008 DTI 26.45% |
| [Redact] | 9220774 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9220774 | [Redact] |  | [Redact] | Original CLTV | 46.54 | 48.3486 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9213016 | [Redact] |  |  | First Payment Date | [Redact] | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 9213016 | [Redact] |  |  | Maturity Date | [Redact] | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| [Redact] | 9222259 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9222271 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.03 | 38.61398 | Verified | 1008 DTI 38.614% |
| [Redact] | 9222445 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31.174 | 14.79883 | Verified | 1008 DTI 14.796% |
| [Redact] | 9222485 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9226737 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9226737 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9226737 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9226753 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9226751 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9226754 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9226760 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9227569 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9229952 | [Redact] |  | [Redact] | Representative FICO | 701 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9231307 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9231311 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9231311 | [Redact] |  | [Redact] | Original CLTV | 47.059 | 41.17647 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| [Redact] | 9231407 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9231407 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9232764 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9213052 | [Redact] |  |  | Doc Type | 1yr Full Doc | 1yr 1099 | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9213067 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9213048 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9213048 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9213048 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9232870 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9233114 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 21.501 | 46.0297 | Verified | DTI 1008 42.907% |
| [Redact] | 9233116 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9233127 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9233125 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9233125 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9213024 | [Redact] |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9213024 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9213024 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9213049 | [Redact] |  |  | Coborrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9235862 | [Redact] |  | [Redact] | Representative FICO | 807 | 816 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9235862 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31.29 | 28.0263 | Verified | 1008 DTI 27.103% |
| [Redact] | 9237052 | [Redact] |  | [Redact] | Representative FICO | 790 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9237254 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9237478 | [Redact] |  | [Redact] | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9237482 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9237482 | [Redact] |  | [Redact] | Original CLTV | 36.67 | 31.42857 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9237482 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31.408 | 2.95284 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9237482 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9237522 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9237522 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9237522 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9237962 | [Redact] |  | [Redact] | Representative FICO | 712 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9237962 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9237962 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 49 | 45.64703 | Verified | 1008 DTI 45.631% |
| [Redact] | 9237983 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9237983 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9237983 | [Redact] |  | [Redact] | Original CLTV | 53.33 | 46.21606 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9238168 | [Redact] |  | [Redact] | Representative FICO | 635 | 632 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9238168 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9238217 | [Redact] |  | [Redact] | Property Type | PUD | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9238217 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9238223 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 18 | 30.48839 | Verified | 1008 DTI 30.322% |
| [Redact] | 9239001 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9239001 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9239633 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9239641 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9239640 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9171605 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9239909 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9240359 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9240357 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240373 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9240373 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9240445 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 43.196 | 49.32214 | Verified | 1008 DTI 49.806% |
| [Redact] | 9240455 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240448 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9240763 | [Redact] |  | [Redact] | Representative FICO | 770 | 783 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240763 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9242565 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9242565 | [Redact] |  | [Redact] | Original CLTV | 75 | 72.77283 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9242565 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.514 | 43.91212 | Verified | 1008 DTI 42.547% |
| [Redact] | 9242728 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9242728 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.48 | 20.58631 | Verified | 1008 DTI 20.585% |
| [Redact] | 9242735 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9242735 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9242840 | [Redact] |  | [Redact] | Representative FICO | 781 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9242840 | [Redact] |  | [Redact] | Original CLTV | 45.11 | 30.75758 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9242927 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9242927 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9242927 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9242941 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9242941 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9242941 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41 | 45.1745 | Verified | 1008 DTI 45.173% |
| [Redact] | 9242954 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 11.735 | 32.64465 | Verified | 1008 DTI 32.684% |
| [Redact] | 9140987 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9243136 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9243515 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9243515 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28 | 35.41746 | Verified | 1008 DTI 35.415% |
| [Redact] | 9243515 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9245500 | [Redact] |  | [Redact] | Representative FICO | 710 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9243854 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.057 | 28.94341 | Verified | 1008 manually calculated DTI is 28.94% |
| [Redact] | 9243842 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9243859 | [Redact] |  | [Redact] | Doc Type | 2yr 1099 | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9245503 | [Redact] |  | [Redact] | Representative FICO | 799 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9245564 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9240456 | [Redact] |  |  | Coborrower SSN |  | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240456 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240456 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240456 | [Redact] |  |  | First Payment Date | [Redact] | [Redact] | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240456 | [Redact] |  |  | Maturity Date | [Redact] | [Redact] | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240456 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240456 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9240456 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240456 | [Redact] |  |  | Coborrower Birth Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240456 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.28 | Verified | Loan re-closed at a different loan amount; updated docs provided post-review |
| [Redact] | 9240457 | [Redact] |  |  | Representative FICO | 725 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240457 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240457 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240458 | [Redact] |  |  | First Payment Date | [Redact] | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 9240458 | [Redact] |  |  | Maturity Date | [Redact] | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| [Redact] | 9240459 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9240461 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9240461 | [Redact] |  |  | Representative FICO | 750 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240461 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240461 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.16 | Verified | The lender qualified with higher HOI for the properties than disclosed in the file |
| [Redact] | 9240464 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240465 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9240465 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240466 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240466 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.83 | 1.76 | Verified | Seller qualified with less taxes than verified by the tax certs in file |
| [Redact] | 9240467 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240467 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240467 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240467 | [Redact] |  |  | Representative FICO | 746 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240467 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240467 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.48 | 1.50 | Verified | Field value reflects source document |
| [Redact] | 9240468 | [Redact] |  |  | Representative FICO | 746 | 777 | Verified | Unable to verify due to missing information |
| [Redact] | 9240469 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240469 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240470 | [Redact] |  |  | Representative FICO | 768 | 776 | Verified | Unable to verify due to missing information |
| [Redact] | 9240470 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240474 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240475 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240476 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240476 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240476 | [Redact] |  |  | Representative FICO | 790 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240476 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240476 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240477 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240479 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240479 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240479 | [Redact] |  |  | Representative FICO | 683 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240479 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240481 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9240482 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9240483 | [Redact] |  |  | Representative FICO | 715 | 719 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240483 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240484 | [Redact] |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240485 | [Redact] |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Unable to verify due to missing information |
| [Redact] | 9240485 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240486 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9240486 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240487 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9240487 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240487 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.18 | Verified | Field value reflects source document |
| [Redact] | 9240489 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240489 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240492 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240494 | [Redact] |  |  | Representative FICO | 790 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240494 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240495 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240495 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9240496 | [Redact] |  |  | Representative FICO | 669 | 673 | Verified | Unable to verify due to missing information |
| [Redact] | 9240496 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240497 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9240498 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9240498 | [Redact] |  |  | Original LTV | 70 | 72.25806 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9240498 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240499 | [Redact] |  |  | Representative FICO | 792 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240499 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240499 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9240499 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240501 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240501 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240501 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240501 | [Redact] |  |  | Representative FICO | 796 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240501 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240501 | [Redact] |  |  | Coborrower Citizenship | Permanent Resident Alien | US Citizen | Verified | Field value reflects source document |
| [Redact] | 9240501 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.44 | Verified | Field value reflects source document |
| [Redact] | 9240502 | [Redact] |  |  | Representative FICO | 796 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240503 | [Redact] |  |  | Representative FICO | 718 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240503 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240503 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.70 | 1.76 | Verified | Field value reflects source document |
| [Redact] | 9240504 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240505 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240506 | [Redact] |  |  | Representative FICO | 740 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240507 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.35 | Verified | Field value reflects source document |
| [Redact] | 9240508 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240508 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.57 | 1.59 | Verified | Field value reflects source document |
| [Redact] | 9240512 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9240512 | [Redact] |  |  | Representative FICO | 738 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240513 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240514 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240514 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9240514 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240515 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240515 | [Redact] |  |  | Original LTV | 73.68 | 70 | Verified | Tape value identified the LTV/CLTV and property value at origination as the lower CDA value. Lender has provided a rebuttal to use the higher appraised value. Using the appraised value is allowed as the CDA value is within +/- 10% of the appraised value. |
| [Redact] | 9240515 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240517 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240519 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9240520 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240521 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240522 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240523 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240526 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240530 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240537 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240537 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240537 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240537 | [Redact] |  |  | Representative FICO | 707 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240537 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240538 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240538 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240538 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240538 | [Redact] |  |  | Representative FICO | 770 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240538 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240538 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240538 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.14 | Verified | Field value reflects source document |
| [Redact] | 9240539 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240540 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240540 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9240540 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9240540 | [Redact] |  |  | Representative FICO | 732 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9240540 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240541 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240542 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240542 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.21 | Verified | Field value reflects source document |
| [Redact] | 9240543 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240543 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240543 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9240546 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240547 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240547 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240548 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240548 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9240549 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9240549 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9240549 | [Redact] |  |  | Appraisal Effective Date | [Redact] | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9245796 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 24.12 | 36.4039 | Verified | The DTI matches the approval in the file. |
| [Redact] | 9245979 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9245979 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9245988 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9245988 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39.516 | 30.28838 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9245992 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9245992 | [Redact] |  | [Redact] | Original CLTV | 67.609 | 68.69565 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9245992 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9246864 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9246860 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9220492 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9220492 | [Redact] |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9220492 | [Redact] |  |  | Original CLTV | 56.02 | 57.30659 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9220492 | [Redact] |  |  | Original LTV | 56.02 | 57.30659 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9190408 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9190408 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9248469 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9248812 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9248812 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9248812 | [Redact] |  | [Redact] | Original CLTV | 50 | 48.65478 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9248812 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9248895 | [Redact] |  | [Redact] | Representative FICO | 740 | 682 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9249305 | [Redact] |  | [Redact] | Representative FICO | 740 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9213170 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 9213170 | [Redact] |  |  | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| [Redact] | 9213173 | [Redact] |  |  | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| [Redact] | 9213167 | [Redact] |  |  | Contract Sales Price | [Redact] | [Redact] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redact] | 9213167 | [Redact] |  |  | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| [Redact] | 9252095 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9217159 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9237992 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9237992 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9206126 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9206126 | [Redact] |  |  | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9204928 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9204716 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9204716 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9204716 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9226767 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Security Instrument |
| [Redact] | 9226767 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9217147 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9237985 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9211448 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9211448 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9237483 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9158968 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9158968 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9187098 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9199392 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9199074 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9199074 | [Redact] |  |  | Representative FICO | 783 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9238567 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9238567 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9199083 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9199083 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9230072 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9369926 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9369926 | [Redact] |  | [Redact] | Representative FICO | 760 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9369926 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 26.914 | 30.54463 | Verified | The Field Value DTI matches the final 1008 |
| [Redact] | 9377891 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28.44 | 42.79195 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9386005 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9386012 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9230043 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9230043 | [Redact] |  |  | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| [Redact] | 9498486 | [Redact] |  | [Redact] | Representative FICO | 775 | 778 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9498486 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 42.903 | 37.46209 | Verified | 1008 DTI 37.458% |
| [Redact] | 9498496 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9498496 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 15.308 | 42.09524 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9501869 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9501869 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9501869 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.063 | 29.329 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9501878 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9501878 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 42.034 | 46.56871 | Verified | Lender used a lower PITIA payment for the primary income than verified by the mortgage statement. |
| [Redact] | 9204968 | [Redact] |  |  | Coborrower First Name | [Redact] |  | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9204968 | [Redact] |  |  | Coborrower Last Name | [Redact] |  | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9204970 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9204983 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9555312 | [Redact] |  | [Redact] | Representative FICO | 780 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9606078 | [Redact] |  | [Redact] | Property Type | 4 Family | Condo (Low Rise) | Verified | Unable to verify due to missing information |
| [Redact] | 9214139 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9214139 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9213412 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9213412 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9213412 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 24.9366 | 36.63576 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9220245 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9220246 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220249 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220249 | [Redact] |  |  | Original CLTV | 53.65 | 58.24635 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9220249 | [Redact] |  |  | Original LTV | 53.65 | 58.24635 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9220255 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220255 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9220256 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9220256 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9220257 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220257 | [Redact] |  |  | Representative FICO | 669 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9220270 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220262 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220263 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9220272 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9220272 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9251426 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9251426 | [Redact] |  |  | Representative FICO | 660 | 658 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9217356 | [Redact] |  |  | Borrower SSN |  | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9217356 | [Redact] |  |  | Coborrower Last Name |  | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9217356 | [Redact] |  |  | Coborrower SSN |  | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9217356 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9217356 | [Redact] |  |  | First Payment Date |  | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 9217356 | [Redact] |  |  | Maturity Date |  | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| [Redact] | 9217356 | [Redact] |  |  | Original P&I |  | [Redact] | Verified | Field Value reflects Note value |
| [Redact] | 9217356 | [Redact] |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9217356 | [Redact] |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| [Redact] | 9217356 | [Redact] |  |  | Appraisal Effective Date |  | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9217356 | [Redact] |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9217356 | [Redact] |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| [Redact] | 9217356 | [Redact] |  |  | Universal Loan Identifier (ULI) |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9217356 | [Redact] |  |  | Appraisal As-Is Value | [Redact] |  | Verified | Field value reflects source document |
| [Redact] | 9689678 | [Redact] |  | [Redact] | Representative FICO | 774 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9217224 | [Redact] |  |  | Borrower SSN |  | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9217224 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9217224 | [Redact] |  |  | First Payment Date |  | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 9217224 | [Redact] |  |  | Maturity Date |  | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| [Redact] | 9217224 | [Redact] |  |  | Original P&I |  | [Redact] | Verified | Field Value reflects Note value |
| [Redact] | 9217224 | [Redact] |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| [Redact] | 9217224 | [Redact] |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9217224 | [Redact] |  |  | Appraisal Effective Date |  | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9217224 | [Redact] |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| [Redact] | 9217224 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9217224 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 20.5 | 24.85662 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| [Redact] | 9217224 | [Redact] |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| [Redact] | 9217224 | [Redact] |  |  | Universal Loan Identifier (ULI) |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9217224 | [Redact] |  |  | Last Property Transfer Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9217224 | [Redact] |  |  | Appraisal As-Is Value | [Redact] |  | Verified | Field value reflects source document |
| [Redact] | 9251230 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9251230 | [Redact] |  |  | Borrower SSN |  | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9251230 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9251230 | [Redact] |  |  | First Payment Date |  | [Redact] | Verified | Field Value reflects First Payment Date per the Note |
| [Redact] | 9251230 | [Redact] |  |  | Maturity Date |  | [Redact] | Verified | Field Value reflects Maturity Date per the Note |
| [Redact] | 9251230 | [Redact] |  |  | Original P&I |  | [Redact] | Verified | Field Value reflects Note value |
| [Redact] | 9251230 | [Redact] |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9251230 | [Redact] |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| [Redact] | 9251230 | [Redact] |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9251230 | [Redact] |  |  | Appraisal Effective Date |  | [Redact] | Verified | Tape Value reflects Appraisal Date |
| [Redact] | 9251230 | [Redact] |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| [Redact] | 9251230 | [Redact] |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9251230 | [Redact] |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
| [Redact] | 9251230 | [Redact] |  |  | Universal Loan Identifier (ULI) |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9251230 | [Redact] |  |  | Last Property Transfer Date |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9251230 | [Redact] |  |  | Appraisal As-Is Value | [Redact] |  | Verified | Field value reflects source document |
| [Redact] | 9251433 | [Redact] |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9251433 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9241918 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9241918 | [Redact] |  |  | Appraised Value | [Redact] | [Redact] | Verified | Field Value captured from Valuation model in file |
| [Redact] | 9241919 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.2 - Schedule 4**

![](situsamc-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 11/5/2025 8:59:36 AM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redact] | 6074685 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 6853382 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 5083122 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 8064345 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 8063238 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 8101233 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9026945 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9061656 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9076182 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9083327 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9088007 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [Redact] | 9090374 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9097954 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9104666 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9134055 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9134550 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9081693 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9162898 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9167143 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9167154 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9167860 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9180355 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9131278 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9131273 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9131280 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9176102 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9176471 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9176532 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9178168 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9178821 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9180195 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9180197 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9085453 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9180809 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9180806 | [Redact] | [Redact] |  |  |  |  |  |  | 12.400% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9180810 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9183153 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9183214 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9185163 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9175036 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175043 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175047 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175049 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175051 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175052 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175055 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175060 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9175075 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175080 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175090 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175094 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175095 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175102 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9175108 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9186010 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9186507 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9187092 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9187735 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9187737 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9190410 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9191726 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9191730 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9192929 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9193687 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9193696 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9193700 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9193708 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9194904 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9195047 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9054688 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054670 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054674 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054683 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054677 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054681 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054679 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054676 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9054678 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9196077 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9196089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| [Redact] | 9197039 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9197059 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9197061 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9197249 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9197309 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9198452 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9198449 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9198447 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9198451 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9198460 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9198462 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9186312 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9085353 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9199412 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9200289 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9200287 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9201240 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9201732 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9201731 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9202626 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9203460 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9203720 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9203806 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9203985 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9204925 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9204926 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9205898 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9206080 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.930% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9206121 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9158563 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9208099 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9208100 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9208107 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9208109 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9208135 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9208133 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9209276 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9211091 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9211092 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.480% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9211098 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220703 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9211447 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9211451 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9211453 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9211455 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9211458 | [Redact] | [Redact] |  |  |  |  |  |  | 1.270% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9211462 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9211463 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9213077 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| [Redact] | 9213409 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9214117 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9214158 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9214160 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9214295 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9214547 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9214556 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9215664 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9215973 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9215976 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9216093 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216094 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216088 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9216099 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9216101 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9216108 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.840% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216844 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.290% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9216849 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9216855 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9216867 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9216872 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216877 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9217151 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9217157 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9217155 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9217161 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9217163 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9213056 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9213019 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9213027 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9213041 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198117 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9198119 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198121 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9198125 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198130 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198132 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198138 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198146 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198148 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198157 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198163 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198164 | [Redact] |  |  |  |  |  |  |  | 4.350% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198165 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198167 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198173 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198175 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198187 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198191 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198192 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9198193 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9198207 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9217421 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.410% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9155768 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9218028 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9218040 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9218035 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9218042 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9218072 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9218078 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9218150 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9218152 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9218154 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9218155 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9218586 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9218587 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9218589 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9218590 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.330% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9213020 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9213051 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9213069 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9213065 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220275 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9220276 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220367 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9220373 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9220374 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9220376 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220378 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9220491 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9220699 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9220774 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9213012 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9213064 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9213011 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9213047 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9213022 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9213042 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9213016 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9222259 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9222271 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9239459 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9222445 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9222444 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9222465 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9222479 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9222478 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9222480 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9222485 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9226559 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9226737 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9226753 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9226757 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9226751 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9226754 | [Redact] | [Redact] |  |  |  |  |  |  | 13.660% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9226760 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9227569 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9227574 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9229952 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9229979 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9230075 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9230077 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9230630 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9230744 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9231309 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9231304 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9231307 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9231311 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9231406 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9231407 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9232764 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9213052 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9213067 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9213036 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9213048 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9232854 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9232870 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9233114 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9233116 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9233119 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9233127 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9233125 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9235848 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9213024 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9213049 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9235862 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9236111 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237052 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9237254 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9237478 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9237482 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237522 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237523 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237524 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9237526 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9213068 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237962 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237983 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9237987 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9238168 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9238167 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238217 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9238221 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9238223 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9238548 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9238981 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9239001 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9239395 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9239398 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9239469 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9239633 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9239641 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9239640 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9239639 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9239727 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9171605 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9239909 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9240354 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9240359 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9240357 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9240368 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9240372 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9240373 | [Redact] | [Redact] |  |  |  |  |  |  | 2.440% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 2.440% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9240374 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9240375 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.610% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9240445 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9240455 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9240454 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240444 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240448 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9240763 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| [Redact] | 9241118 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9241121 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9241120 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9241315 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9242565 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9242728 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.160% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9242735 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9242840 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9242927 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9242929 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9242937 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9242942 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9242941 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9242954 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9140987 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9243136 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9243130 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9243129 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9243515 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9245500 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9243854 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9243842 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9243859 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9243863 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9245503 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9245564 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240456 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240457 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240458 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240459 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240461 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redact] | 9240462 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240463 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240464 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -6.900% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.90% |  |  |  |  |  |
| [Redact] | 9240465 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240466 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9240467 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240468 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240469 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.340% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240470 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240471 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240472 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240473 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240474 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240475 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240476 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9240477 | [Redact] |  |  |  |  |  |  |  | 2.340% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240479 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9240480 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240481 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240482 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240483 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240484 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240485 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240486 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240487 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240488 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240489 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240490 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240491 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240492 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240493 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240494 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9240495 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.920% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240496 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240497 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240498 | [Redact] |  |  |  |  |  |  |  | 3.230% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240499 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240500 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240501 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240502 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240503 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240504 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240505 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240506 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240507 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240508 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240509 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240510 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240511 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240512 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240513 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240514 | [Redact] |  |  |  |  |  |  |  | 13.790% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240515 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240516 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240517 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240518 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240519 | [Redact] |  |  |  |  |  |  |  | 0.410% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240520 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240521 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240522 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240523 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240524 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240525 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240526 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240527 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240528 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240529 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240530 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240531 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240532 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240533 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240534 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240535 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240536 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240537 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240538 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240539 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240540 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240541 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240542 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240543 | [Redact] |  |  |  |  |  |  |  | 6.520% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240544 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redact] | 9240545 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240546 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240547 | [Redact] |  |  |  |  |  |  |  | 9.800% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240548 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240549 | [Redact] |  |  |  |  |  |  |  | 4.960% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9245778 | [Redact] | [Redact] |  |  |  |  |  |  | 0.210% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9245796 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9245979 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9245988 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.590% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9245992 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9245996 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9245994 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9246355 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9246582 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.970% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9246864 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9246860 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220492 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9190408 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9247915 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9248282 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9248469 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9248795 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9248812 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9248878 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9248895 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9249305 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9250773 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9213170 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| [Redact] | 9213173 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.70 |
| [Redact] | 9213167 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -10.360% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 9252095 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9301735 | [Redact] | [Redact] |  |  |  |  |  |  | 2.630% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9238914 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9238917 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9238921 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238904 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9238910 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238916 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238912 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238911 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9238913 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9238905 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9238918 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9238906 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9238908 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9238909 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238915 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9238922 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9238924 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9238926 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9238927 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238929 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9238907 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9238925 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9238928 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238930 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9238933 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238923 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9238931 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9238920 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9238932 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9238919 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9305606 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9217159 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9237992 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9206126 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9204928 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9204716 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9226767 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9217147 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9237985 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9357220 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9211448 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9237483 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9158968 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9187098 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9239473 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9199392 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9199074 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9238567 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9199083 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9230072 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9369926 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9377891 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9386005 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9386012 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9222202 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| [Redact] | 9230043 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9447888 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9498486 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498496 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9500979 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501869 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9501878 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9204968 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| [Redact] | 9204970 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| [Redact] | 9204983 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9555312 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606078 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9214139 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9213412 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220245 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220246 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220249 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220255 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220256 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220257 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220270 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.360% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220262 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220263 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9220272 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9251426 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9217356 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [Redact] | 9689678 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9217224 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9217375 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9217343 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9217319 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9217352 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9251230 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9251463 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9251433 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9251386 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9251370 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9251405 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| [Redact] | 9251325 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.700% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9251330 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9241918 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9241919 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.2

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.2 - Schedule 5**

![](situsamc-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 11/5/2025 8:59:36 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** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [Redact] | 6074685 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15556.00 | $19080.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | India |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.234% | 44.234% | 44.234% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; Transcripts (1040) - 2017 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15556.00 |  | [Redact] | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 86.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 6853382 | [Redact] |  | Exempt from ATR |  |  |  | No | Yes | $4814.00 | $8134.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.480% | 49.480% | 49.480% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $4814.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 28 | 28 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 166.71 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 5083122 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26355.00 | $12774.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.428% | 38.428% | 38.428% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2023<br> [Borrower - \| Primary Income - Wages]; VVOE - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $26355.00 |  | [Redact] | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 93.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 110.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 8064345 | [Redact] | [Redact] | Exempt from ATR | Non QM |  |  | No | Yes | $6676.27 | $7466.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.504% | 18.504% | 18.504% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $6676.27 |  | [Redact] | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 76.500% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.42 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 8063238 | [Redact] |  | Non QM |  |  |  | Yes | No | $10796.00 | $12204.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.117% | 4.117% | 4.117% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10796.00 |  | [Redact] | $22396.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 8101233 | [Redact] |  | Exempt from ATR | Non QM |  |  | No | Yes | $10403.73 | $12814.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.982% | 17.982% | 17.982% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10403.73 |  | [Redact] | $0.00 |  | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9026945 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | China |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9061656 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4585.15 | $11085.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.699% | 40.699% | 40.699% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4585.15 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9076182 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9083327 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.25 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9088007 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 999 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.67 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9090374 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4389.12 | $5990.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.911% | 24.911% | 24.911% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4389.12 |  | [Redact] | $0.00 | 1.5 | DU |  | Out of Scope | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9097954 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5314.23 | $6065.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.074% | 44.074% | 44.074% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5314.23 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.9 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9104666 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9134055 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $29758.00 | $31956.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.888% | 49.888% | 49.888% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29758.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 3 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.17 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9134550 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9081693 | [Redact] |  | N/A |  |  |  | No | No | $28414.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28414.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9162898 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 259.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9167143 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4600.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4600.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 537.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9167154 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2691.67 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.463% | 23.463% | 23.463% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.530% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.1 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9167860 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2340.35 | $5879.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.287% | 29.053% | 28.060% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2340.35 |  | [Redact] | $5000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.450% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.95 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9180355 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9131278 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8743.63 | $13596.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.741% | 23.741% | 23.741% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8743.63 |  | [Redact] | $15000.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 54.260% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9131273 | [Redact] |  | N/A |  |  |  | No | No | $4500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4500.00 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9131280 | [Redact] |  | N/A |  |  |  | No | No | $45000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $45000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 66.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9176102 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9043.23 | $10124.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.891% | 40.891% | 40.891% | [Redact] | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9043.23 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9176471 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8489.60 | $9568.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.441% | 49.441% | 49.441% | [Redact] | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8489.60 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 6.14 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9176532 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21842.47 | $47893.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.068% | 16.068% | 16.068% | [Redact] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $43842.07 |  | [Redact] | $21999.60 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9178168 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6516.91 | $7545.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 5.995% | 5.995% | 5.995% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6516.91 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 413.81 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9178821 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17760.40 | $6078.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.962% | 49.962% | 49.962% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17760.40 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 3 | 3 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 208.07 |  | Yes | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9180195 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] | 51.970% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9180197 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3295.00 | $3950.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.271% | 41.271% | 41.271% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3295.00 |  | [Redact] | $10000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.290% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.64 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9085453 | [Redact] |  | N/A |  |  |  | No | No | $6615.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $6615.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 77.7 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9180809 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $31000.00 | $7966.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.169% | 23.516% | 23.169% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $31000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 263.92 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9180806 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $25849.86 | $4200.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.131% | 30.233% | 30.131% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25849.86 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 275.62 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9180810 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $31000.00 | $7947.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.394% | 23.741% | 23.394% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $31000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 264.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9183153 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8087.50 | $10441.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.231% | 23.231% | 23.231% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8087.50 |  | [Redact] | $1000.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 97.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 106.47 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9183214 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6390.00 | $7778.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.427% | 22.427% | 22.427% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6390.00 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 67.69 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9185163 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20410.00 | $24500.83 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.696% | 45.696% | 45.696% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20410.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.14 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175036 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 236.98 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9175043 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.840% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 133.74 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9175047 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.68 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175049 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 6.17 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9175051 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.01 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175052 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 58.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 56.58 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9175055 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.64 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9175060 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 54.34 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9175075 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.970% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.04 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175080 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 121 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175090 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.24 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175094 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 122.4 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175095 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 152.45 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175102 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 133.34 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9175108 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.11 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9186010 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1390.00 | $4581.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.695% | 27.695% | 27.695% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1390.00 |  | [Redact] | $1832.00 | 1.9 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 147.52 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9186507 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18600.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 | 773 | 830 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18600.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 115.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9187092 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3665.00 | $5023.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.672% | 49.672% | 49.672% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3665.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9187735 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $20290.30 | $20304.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.886% | 42.886% | 42.886% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20290.30 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.57 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9187737 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13805.00 | $17606.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.733% | 22.733% | 22.733% | [Redact] | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13805.00 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 69.39 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9190410 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.58 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9191726 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 171.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9191730 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5231.87 | $6906.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.213% | 32.213% | 32.213% | [Redact] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8231.87 |  | [Redact] | $3000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9192929 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.55 | 0.39 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 112.39 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9193687 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2844.00 | $3799.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.898% | 49.898% | 49.898% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2844.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9193696 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8120.62 | $9615.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.775% | 35.775% | 35.775% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8120.62 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 22.51 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9193700 | [Redact] | [Redact] | N/A |  |  |  | No | No | $13920.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13920.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9193708 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $2810.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.149% | 27.149% | 27.149% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 739.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9194904 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8381.68 | $19831.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.227% | 44.227% | 44.227% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8381.68 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 32.440% | No | 29 | 29 |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 66.04 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9195047 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $25658.13 | $27748.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 1.739% | 1.739% | 1.739% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25658.13 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 105.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054688 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 84.59 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054670 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 85.24 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054674 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 85.8 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9054683 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 85.59 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054677 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 84.62 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054681 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 84.32 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054679 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 85.01 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054676 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 90.94 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9054678 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 87.57 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9196077 | [Redact] | [Redact] | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9196089 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11688.90 | $15407.83 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.303% | 49.303% | 49.303% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11688.90 |  | [Redact] | $3450.00 | 4.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.570% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.05 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9197039 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16515.00 | $4711.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.565% | 43.565% | 43.565% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16515.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.770% | No |  | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.65 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9197059 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17835.00 | $29701.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.976% | 36.976% | 36.976% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17835.00 |  | [Redact] | $0.00 | 4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.55 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9197061 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4365.99 | $2294.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.599% | 36.599% | 36.599% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4365.99 |  | [Redact] | ($17435.67) | 1.1 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.700% | No | 25 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.91 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9197249 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13871.92 | $5005.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.308% | 44.308% | 44.308% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; Other - 2025<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13871.92 |  | [Redact] | $8542.61 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9197309 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18297.00 | $13101.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.447% | 26.447% | 26.447% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23102.00 |  | [Redact] | $6000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9198452 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4510.55 | $2749.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.295% | 22.295% | 22.295% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4510.55 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 129.06 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9198449 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1295.00 | $6121.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.008% | 40.329% | 44.008% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1295.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 99.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 101.78 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9198447 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $70464.00 | $31295.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | $0.00 | [Redact] | $0.00 |  |  |  |  |  | 15.790% | 15.790% | 15.790% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 92.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2014<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 92.50% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $70464.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9198451 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1575.00 | $3135.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.480% | 40.480% | 40.480% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 62.3 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198460 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11056.10 | $12004.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.891% | 13.891% | 13.891% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11056.10 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.56 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198462 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7726.26 | $10035.23 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.188% | 41.188% | 41.188% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7726.26 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 70.03 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9186312 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 79.32 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9085353 | [Redact] |  | N/A |  |  |  | No | No | $9879.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | Yes |  | [Redact] | $9879.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 62.57 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9199412 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12445.00 | $15697.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.864% | 31.864% | 31.864% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12445.00 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.21 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9200289 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1490.00 | $8797.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.212% | 6.212% | 6.212% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 47.83 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9200287 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 86.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 66.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9201240 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4430.00 | $5331.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.078% | 16.078% | 16.078% | [Redact] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4430.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.05 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9201732 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3437.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3437.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9201731 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $7556.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.095% | 32.095% | 32.095% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $1200.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.610% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.75 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9202626 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10475.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10475.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9203460 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1905.19 | $3221.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 2.113% | 2.113% | 2.113% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1905.19 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9203720 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1893.81 | $6690.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 2.086% | 2.086% | 2.086% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1893.81 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9203806 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 60.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.51 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9203985 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4295.72 | $12578.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.558% | 33.558% | 33.558% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4295.72 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.940% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9204925 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4657.50 | $8382.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.474% | 27.474% | 27.474% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4657.50 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.05 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9204926 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7486.30 | $3953.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.467% | 25.467% | 25.467% | [Redact] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 0 | 0 | No |  | [Redact] | $7486.30 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9205898 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6036.00 | $6866.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.600% | 49.600% | 49.600% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6036.00 |  | [Redact] | $9750.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.9 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9206080 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 35.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9206121 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $20210.00 | $5121.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.641% | 28.269% | 27.641% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20210.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 30 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 108.82 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9158563 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 0.05 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9208099 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $8613.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.768% | 38.768% | 38.768% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.550% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9208100 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16194.04 | $22336.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.698% | 11.698% | 11.698% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16194.04 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.21 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9208107 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.47 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9208109 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2828.75 | $5398.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2828.75 |  | [Redact] | $5250.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9208135 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5532.50 | $6712.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.770% | 49.770% | 49.770% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5532.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.63 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9208133 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12455.00 | $2182.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.815% | 24.815% | 24.815% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12455.00 |  | [Redact] | $183.72 | 2.2 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.610% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9209276 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7640.00 | $10368.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.564% | 48.564% | 48.564% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7640.00 |  | [Redact] | $550.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 140.91 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9211091 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19624.00 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.451% | 20.451% | 20.451% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19624.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9211092 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13233.13 | $15030.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.331% | 30.331% | 30.331% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13233.13 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9211098 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7658.75 | $10538.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.421% | 27.421% | 27.421% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7658.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9220703 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $2958.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.436% | 42.293% | 44.436% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 24.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.4 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9211447 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5840.00 | $7169.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.995% | 36.995% | 36.995% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5840.00 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.04 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9211451 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15202.00 | $35577.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.597% | 25.597% | 25.597% | [Redact] | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15202.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.66 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9211453 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $10859.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.308% | 35.308% | 35.308% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.160% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.64 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9211455 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $3048.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.261% | 37.116% | 44.261% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.5 | DU |  | Out of Scope | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 269.67 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9211458 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6036.51 | $9071.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.775% | 28.775% | 28.775% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 55.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6036.51 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9211462 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2583.75 | $2691.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.063% | 37.063% | 37.063% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2583.75 |  | [Redact] | $6599.98 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 338.32 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9211463 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7870.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7870.50 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 674.68 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213077 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2057.50 | $3131.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.890% | 27.890% | 27.890% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2057.50 |  | [Redact] | $0.00 | 4.8 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.400% | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.43 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9213409 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1895.00 | $19082.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.803% | 25.903% | 30.803% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1895.00 |  | [Redact] | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 152.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9214117 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $3216.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.846% | 38.846% | 38.846% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.62 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9214158 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $29896.00 | $35201.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.883% | 48.883% | 48.883% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 61.600% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 61.60% \| Expense Ratio: 8.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 61.60% \| Expense Ratio: 8.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 61.60% \| Expense Ratio: 8.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $29896.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.39 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9214160 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3625.00 | $5054.67 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3625.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.75 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9214295 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9150.00 | $16811.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.780% | 46.780% | 46.780% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9150.00 |  | [Redact] | $83000.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.320% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.19 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9214547 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1640.00 | $5717.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $600.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.6 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9214556 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $3843.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.713% | 37.713% | 37.713% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 88.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9215664 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9215973 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11725.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11725.00 |  | [Redact] | $0.00 | 3.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.08 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9215976 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6845.24 | $8712.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.703% | 37.703% | 37.703% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6845.24 |  | [Redact] | $0.00 | 5 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 3 | 2 | 2 | 0 | 3 | 1 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 314.73 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9216093 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13186.21 | $6077.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.913% | 43.913% | 43.913% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13186.21 |  | [Redact] | $14470.40 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.93 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9216089 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $22861.78 | $10158.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.801% | 39.801% | 39.801% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $22861.78 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9216094 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11720.00 | $12798.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.936% | 42.936% | 42.936% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11720.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 66.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.42 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9216088 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1790.00 | $5012.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.780% | 44.780% | 44.780% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $280500.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 91.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.8 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9216099 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3635.24 | $4829.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.656% | 12.656% | 12.656% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3635.24 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9216101 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $3428.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.965% | 44.965% | 44.965% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $3362.00 | 1 |  |  |  | N/A | No | [Redact] | 1 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.420% | No | 9 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.68 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9216108 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16576.60 | $24454.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.065% | 12.065% | 12.065% | [Redact] | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16576.60 |  | [Redact] | $2979.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.1 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9216844 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12829.00 | $4849.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.610% | 12.610% | 12.610% | [Redact] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12829.00 |  | [Redact] | $5000.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.44 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9216849 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6895.00 | $8556.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.682% | 18.682% | 18.682% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6895.00 |  | [Redact] | $0.00 | 4.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 70.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.44 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9216855 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10145.00 | $13163.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.157% | 36.157% | 36.157% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10145.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9216867 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11901.47 | $5634.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.880% | 46.880% | 46.880% | [Redact] | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11901.47 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9216872 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13117.83 | $21530.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.049% | 18.049% | 18.049% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18117.83 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.800% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.63 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9216877 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10544.72 | $12053.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.764% | 17.764% | 17.764% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10544.72 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.58 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9217151 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6885.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6885.00 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 118.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217157 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1890.00 | $6067.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.988% | 42.988% | 42.988% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 86.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1890.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 30 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.09 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217155 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $19586.00 | $7594.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.548% | 25.548% | 25.548% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19586.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9217161 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2912.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.430% | 40.430% | 40.430% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 273.48 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217163 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14426.20 | $14664.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.340% | 31.340% | 31.340% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14426.20 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.63 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213056 | [Redact] |  | Exempt from ATR |  |  |  | No | No | $43056.05 | $9528.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 10.352% | 9.934% | 10.352% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $43056.05 |  | [Redact] | $15000.00 |  | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 41.160% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9213019 | [Redact] |  | N/A |  |  |  | No | No | $64800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $64800.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 18.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213027 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213041 | [Redact] |  | N/A |  |  |  | No | No | $16200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $16200.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198117 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 147.99 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198119 | [Redact] |  | N/A |  |  |  | No | No | $6650.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $6650.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.56 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198121 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.64 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198125 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.85 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198130 | [Redact] |  | N/A |  |  |  | No | No | $4050.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $4050.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.940% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 195.14 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198132 | [Redact] |  | N/A |  |  |  | No | No | $6000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $6000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.97 | 0.51 |  |  |  |  |  |  |  | [Redact] | [Redact] | 78.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  | 94.43 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198138 | [Redact] |  | N/A |  |  |  | No | No | $25125.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $25125.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.18 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198146 | [Redact] |  | N/A |  |  |  | No | No | $8625.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8625.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 107.59 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198148 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  | No | 48.79 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198157 | [Redact] |  | N/A |  |  |  | No | No | $15000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $15000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 49.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.27 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198163 | [Redact] |  | N/A |  |  |  | No | No | $10500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $10500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 155.49 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198164 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.3 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198165 | [Redact] |  | N/A |  |  |  | No | No | $6480.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $6480.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 60.08 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198167 | [Redact] |  | N/A |  |  |  | No | No | $1180.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $1180.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.03 | 0.49 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 275.01 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198173 | [Redact] |  | N/A |  |  |  | No | No | $9375.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $9375.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.36 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198175 | [Redact] |  | N/A |  |  |  | No | No | $13250.00 | $7543.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13250.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 126.92 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198187 | [Redact] |  | N/A |  |  |  | No | No | $13470.00 | $13796.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13470.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 17.37 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198191 | [Redact] |  | N/A |  |  |  | No | No | $16125.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $16125.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 58 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198192 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.52 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9198193 | [Redact] |  | N/A |  |  |  | No | No | $22500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $22500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.440% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.03 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9198207 | [Redact] |  | N/A |  |  |  | No | No | $24300.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $24300.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 98.5 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9217421 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2665.00 | $5433.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.021% | 38.021% | 38.021% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 67.720% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.72% \| Expense Ratio: 28.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2665.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.97 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9155768 | [Redact] |  | N/A |  |  |  | No | No | $9513.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $9513.75 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 8.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9218028 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1595.00 | $14020.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.857% | 33.780% | 39.857% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1595.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 70.320% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.85 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9218040 | [Redact] | [Redact] | N/A |  |  |  | No | No | $19250.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19250.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 58.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218035 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $4381.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.789% | 19.789% | 19.789% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 470.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218042 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $11241.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.519% | 45.519% | 45.519% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 69.01 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9218072 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $4070.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.883% | 35.883% | 35.883% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 283.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218078 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6738.58 | $8176.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.853% | 27.853% | 27.853% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6738.58 |  | [Redact] | $12000.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218150 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $36077.66 | $7921.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.418% | 32.418% | 32.418% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $36077.66 |  | [Redact] | $4000.00 | 2.5 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.750% | No | 6 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.65 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9218152 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7189.23 | $10702.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.034% | 36.034% | 36.034% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7189.23 |  | [Redact] | $15000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.590% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9218154 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9896.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 | 813 | 810 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9896.25 |  | [Redact] | $15000.00 | 3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 21.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218155 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4582.40 | $4971.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.915% | 0.915% | 0.915% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4582.40 |  | [Redact] | $4000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 168.43 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218586 | [Redact] | [Redact] | N/A |  |  |  | No | No | $14011.87 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14011.87 |  | [Redact] | $1900.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.61 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9218587 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.03 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9218589 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18895.00 | $4394.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.581% | 21.581% | 21.581% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18895.00 |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 68.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.07 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9218590 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4402.50 | $15810.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.398% | 37.077% | 43.398% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4402.50 |  | [Redact] | $0.00 | 4.6 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 91.500% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 64.15 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213020 | [Redact] |  | Non QM |  |  |  | Yes | No | $13670.00 | $4964.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.359% | 49.359% | 49.359% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Royalty]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13670.00 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213051 | [Redact] |  | Non QM |  |  |  | Yes | No | $16935.00 | $17894.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.002% | 42.002% | 42.002% | [Redact] | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16935.00 |  | [Redact] | $105000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 19.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213069 | [Redact] |  | Non QM |  |  |  | Yes | No | $12585.00 | $7426.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.118% | 40.118% | 40.118% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12585.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213065 | [Redact] |  | N/A |  |  |  | No | No | $5040.00 | $7471.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5040.00 |  | [Redact] | $6250.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220275 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $25757.50 | $30860.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.211% | 49.211% | 49.211% | [Redact] | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25757.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220276 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7335.00 | $11166.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.942% | 11.942% | 11.942% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7335.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 111.59 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9220367 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1495.00 | $3505.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.585% | 7.585% | 7.585% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1495.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220373 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3398.25 | $4836.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.578% | 34.578% | 34.578% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3398.25 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.8 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220374 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4990.00 | $5657.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.335% | 37.335% | 37.335% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4990.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1297.6 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9220376 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $91220.00 | $42459.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Ecuador |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.366% | 14.366% | 14.366% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $91220.00 |  | [Redact] | $12000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.570% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 10.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9220378 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220491 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1916.00 | $3861.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.021% | 48.021% | 48.021% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1916.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 4 | 4 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.4 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220699 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1590.00 | $1185.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.452% | 26.452% | 26.452% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $16410.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.670% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 9.11 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220774 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7220.00 | $5282.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 7.02 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.967% | 33.967% | 33.967% | [Redact] | 799 | 809 | 804 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7220.00 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 30 | 31 |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 124.54 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9213012 | [Redact] |  | Non QM |  |  |  | Yes | No | $11806.36 | $14141.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.744% | 40.744% | 40.744% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 56.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11806.36 |  | [Redact] | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.370% | No |  | 2 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.9 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213064 | [Redact] |  | Exempt from ATR |  |  |  | No | No | $31911.93 | $11148.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 10.314% | 10.314% | 10.314% | [Redact] | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $31911.93 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 91.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.23 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9213011 | [Redact] |  | Non QM |  |  |  | Yes | No | $12422.52 | $17000.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.898% | 23.898% | 23.898% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12422.52 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.76 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213047 | [Redact] |  | Non QM |  |  |  | Yes | No | $27465.00 | $18291.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.145% | 32.145% | 32.145% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $27465.00 |  | [Redact] | $3650.00 | 2.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 17.85 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9213022 | [Redact] |  | N/A |  |  |  | No | No | $17600.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17600.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.92 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213042 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $1500.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 42.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213016 | [Redact] |  | N/A |  |  |  | No | No | $10500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $10500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9222259 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6305.00 | $7749.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.658% | 33.658% | 33.658% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6305.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 6.15 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9222271 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1390.00 | $4870.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.614% | 38.614% | 38.614% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1390.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9239459 | [Redact] | [Redact] | N/A |  |  |  | No | No | $21750.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 | 757 | 761 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21750.00 |  | [Redact] | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 79.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9222445 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $15302.33 | $6455.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.799% | 14.799% | 14.799% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15302.33 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.24 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9222444 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9360.00 | $10766.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.220% | 17.220% | 17.220% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9360.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.21 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9222465 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2140.00 | $5227.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.649% | 38.649% | 38.649% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2140.00 |  | [Redact] | $0.00 | 4 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.1 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9222479 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $21565.80 | $22352.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.932% | 35.932% | 35.932% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21565.80 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.09 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9222478 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $31195.00 | $9749.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.566% | 38.566% | 38.566% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $31195.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9222480 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $41195.00 | $6536.87 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.410% | 40.410% | 40.410% | [Redact] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $41195.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9222485 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $19640.00 | $3073.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.966% | 43.966% | 43.966% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19640.00 |  | [Redact] | $6500.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 87.850% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.42 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9226559 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10228.50 | $81.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.846% | 39.846% | 39.846% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10228.50 |  | [Redact] | $11778.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.37 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9226737 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $33600.00 | $12888.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.320% | 42.320% | 42.320% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 78.000% |  | 100.000% |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $33600.00 |  | [Redact] | $500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.37 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9226753 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $315.00 | $5347.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.901% | 45.901% | 45.901% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $315.00 |  | [Redact] | $11000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.88 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9226757 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13980.00 | $3054.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.907% | 43.907% | 43.907% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 79.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13980.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9226751 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $42791.80 | $44003.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.502% | 12.502% | 12.502% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42791.80 |  | [Redact] | $60857.59 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 27.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.95 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9226754 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1195.00 | ($1958.84) |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.511% | 14.511% | 14.511% | [Redact] | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1195.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.58 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9226760 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2520.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2520.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 105.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9227569 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $51735.00 | $14248.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.969% | 8.969% | 8.969% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $51735.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9227574 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9229952 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $4027.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.066% | 12.066% | 12.066% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9229979 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $37207.34 | $12479.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.680% | 45.680% | 45.680% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $37207.34 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 43.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.84 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 14 |
| [Redact] | 9230075 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $15045.00 | $3869.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.142% | 46.142% | 46.142% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% | 33.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15045.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.25 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9230077 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9736.92 | $10790.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | United States of America |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.223% | 28.223% | 28.223% | [Redact] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9736.92 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Passport |  |  |  | 30.13 | Retail | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9230630 | [Redact] | [Redact] | N/A |  |  |  | No | No | $19396.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19396.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.95 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9230744 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 103.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9231309 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $40659.50 | $31994.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.829% | 47.829% | 47.829% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.65000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.65000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.65000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 34.65000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $40659.50 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.890% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9231304 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9125.74 | $12937.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.420% | 41.420% | 41.420% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9125.74 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9231307 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4802.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4802.00 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9231311 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18200.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.280% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9231406 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6825.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6825.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9231407 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13909.03 | $3191.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.239% | 41.239% | 41.239% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13909.03 |  | [Redact] | $3000.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.1 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9232764 | [Redact] | [Redact] | N/A |  |  |  | No | No | $13910.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13910.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.540% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213052 | [Redact] |  | Non QM |  |  |  | Yes | No | $9997.50 | $16425.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.931% | 12.423% | 14.931% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9997.50 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 5.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 67.940% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213067 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $3300.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9213036 | [Redact] |  | N/A |  |  |  | No | No | $15000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15000.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213048 | [Redact] |  | N/A |  |  |  | No | No | $15050.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $15050.00 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9232854 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7700.60 | $14291.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | Australia |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.668% | 44.668% | 44.668% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7700.60 |  | [Redact] | $38000.00 | 3.8 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.280% | No | 25 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | VISA |  |  |  | 20.47 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9232870 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $2903.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.314% | 46.314% | 46.314% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 4 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 122.04 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9233114 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2953.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.030% | 42.830% | 46.030% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 280.47 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9233116 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $3135.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.546% | 31.546% | 31.546% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 151.67 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9233119 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8870.00 | $10750.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.637% | 20.637% | 20.637% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8870.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.15 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9233127 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5558.49 | $4821.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.210% | 15.210% | 15.210% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5558.49 |  | [Redact] | $1500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.91 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9233125 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2495.00 | $3448.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.871% | 9.871% | 9.871% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2495.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.23 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9235848 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 | 715 | 717 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.56 |  |  |  |  |  |  |  | [Redact] | [Redact] | 84.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 71.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213024 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.97 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213049 | [Redact] |  | N/A |  |  |  | No | No | $7525.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $7525.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 28.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9235862 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9590.00 | $15577.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.026% | 28.026% | 28.026% | [Redact] | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9590.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.140% | No | 31 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.24 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9236111 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1050.00 | $10269.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.031% | 36.031% | 36.031% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1050.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 3 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 27.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.2 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9237052 | [Redact] | [Redact] | N/A |  |  |  | No | No | $24500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 | 800 | 790 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $24500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 43.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9237254 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1840.00 | $4205.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.669% | 35.669% | 35.669% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1840.00 |  | [Redact] | $500.00 | 1.6 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.100% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9237478 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11455.00 | $14488.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.600% | 13.600% | 13.600% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11455.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.19 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9237482 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2465.00 | $3755.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 2.953% | 2.953% | 2.953% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2465.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 6 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.09 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9237522 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $995.00 | $2432.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.957% | 43.957% | 43.957% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $995.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 343.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9237523 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] | 82.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9237524 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19187.12 | $20428.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.266% | 22.266% | 22.266% | [Redact] | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19187.12 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.31 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9237526 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4260.00 | $6340.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.431% | 15.431% | 15.431% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4260.00 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.08 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9213068 | [Redact] |  | Non QM |  |  |  | Yes | No | $5265.00 | $8381.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.750% | 31.750% | 31.750% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $5265.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.330% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9237962 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $5494.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.647% | 45.647% | 45.647% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trust Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Trust Income]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Trust Income]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 294.45 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9237983 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $6045.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.464% | 23.464% | 23.464% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9237987 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9985.20 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9985.20 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238168 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $15649.00 | $20872.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.515% | 17.515% | 17.515% | [Redact] | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15649.00 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.86 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238167 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1738.48 | $2490.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.596% | 32.596% | 32.596% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1738.48 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.96 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9238217 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11722.28 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11722.28 |  | [Redact] | $11162.35 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.380% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.72 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9238221 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3720.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3720.00 |  | [Redact] | $1050.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 80.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9238223 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5275.93 | $9941.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.488% | 30.488% | 30.488% | [Redact] | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5275.93 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 881.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238548 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7936.60 | $4637.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.378% | 22.378% | 22.378% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 70.000% | 30.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7936.60 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.78 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9238981 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $50897.62 | $33268.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.416% | 22.416% | 22.416% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $50897.62 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.53 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9239001 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8605.00 | $10768.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.375% | 49.375% | 49.375% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8605.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.21 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9239395 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239398 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9235.00 | $14124.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.336% | 36.336% | 36.336% | [Redact] | 633 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9235.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.73 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239469 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12449.41 | $17319.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.813% | 37.813% | 37.813% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12449.41 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239633 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13605.80 | $16181.19 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.206% | 19.206% | 19.206% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13605.80 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.73 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239641 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6855.00 | $11342.58 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.356% | 15.356% | 15.356% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6855.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.55 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9239640 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10202.50 | $7637.98 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.396% | 36.396% | 36.396% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10202.50 |  | [Redact] | $4500.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.15 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239639 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10950.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10950.00 |  | [Redact] | $6510.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 84.15 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239727 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5220.00 | $6372.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.088% | 9.088% | 9.088% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5220.00 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.55 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9171605 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 353.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239909 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1740.00 | $10810.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.712% | 39.712% | 39.712% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Other - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1740.00 |  | [Redact] | $15000.00 | 3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.59 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240354 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 198.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240359 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240357 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.930% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240368 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2590.00 | $9484.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.214% | 28.214% | 28.214% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2590.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9240372 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6750.00 | $12489.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.637% | 29.637% | 29.637% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6750.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.55 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9240373 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1480.00 | $13991.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.981% | 0.981% | 0.981% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1480.00 |  | [Redact] | $3000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.180% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.36 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9240374 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12075.00 | $15343.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.236% | 23.236% | 23.236% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12075.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.480% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.61 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9240375 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12541.61 | $14330.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.664% | 27.664% | 27.664% | [Redact] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No |  | [Redact] | $12541.61 |  | [Redact] | $0.00 | 3.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.2 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240445 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $4721.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.322% | 49.322% | 49.322% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Unemployment]; Other - 2025<br> [Borrower - \| Non-Primary Income - Unemployment]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 3.5 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.770% | No |  | 7 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.08 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9240455 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10963.56 | $13744.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Brazil |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.306% | 18.306% | 18.306% | [Redact] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10963.56 |  | [Redact] | $8000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 32.73 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9240454 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $17620.00 | $4833.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.923% | 37.923% | 37.923% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17620.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 50.390% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240444 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $23959.00 | $24623.87 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.196% | 45.196% | 45.196% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23959.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.44 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240448 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9219.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9219.00 |  | [Redact] | $5000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.06 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 141.87 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240763 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $19790.00 | $3845.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.230% | 35.230% | 35.230% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19790.00 |  | [Redact] | $0.00 | 4.5 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.43 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9241118 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14659.02 | $18929.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.768% | 23.768% | 23.768% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14659.02 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.82 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9241121 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12210.00 | $6552.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | El Salvador |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.818% | 13.818% | 13.818% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 48.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12210.00 |  | [Redact] | $11100.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9241120 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8170.00 | $11123.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.420% | 21.420% | 21.420% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8170.00 |  | [Redact] | $9300.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.43 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9241315 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8132.20 | $2804.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.657% | 14.657% | 14.657% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8132.20 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9242565 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9758.75 | $2519.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.912% | 43.912% | 43.912% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9758.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 3 |  | 2 | 0 | 3 | 2 |  |  | 16.13 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 210.82 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9242728 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1737.50 | $4172.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.586% | 20.586% | 20.586% | [Redact] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 89.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 89.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 89.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 89.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 89.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1737.50 |  | [Redact] | $8500.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 115.71 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9242735 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $30127.76 | $14740.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.648% | 29.648% | 29.648% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $30127.76 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.96 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9242840 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2675.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.073% | 22.073% | 22.073% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1298.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9242927 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14970.80 | $19634.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.757% | 45.513% | 49.757% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14970.80 |  | [Redact] | $30000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 56.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9242929 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $20000.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 220.77 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9242937 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1740.00 | $12882.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.173% | 42.173% | 42.173% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1740.00 |  | [Redact] | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 222.59 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9242942 | [Redact] | [Redact] | N/A |  |  |  | No | No | $880.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $880.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9242941 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $2482.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.175% | 45.175% | 45.175% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 883.23 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9242954 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $15578.60 | $20067.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Georgia |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.645% | 32.645% | 32.645% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15578.60 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 20.91 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9140987 | [Redact] |  | N/A |  |  |  | No | No | $12000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12000.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243136 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10395.00 | $12021.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.931% | 48.931% | 48.931% | [Redact] | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10395.00 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.51 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243130 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8125.00 | $10374.94 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.840% | 25.840% | 25.840% | [Redact] | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8125.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.950% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.98 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243129 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9243515 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2437.65 | $3851.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.418% | 35.418% | 35.418% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2437.65 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.790% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9245500 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1875.00 | $10155.71 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.986% | 39.986% | 39.986% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2010<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2010<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1875.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.26 | Retail | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9243854 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6168.34 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.943% | 28.943% | 28.943% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 61.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6168.34 |  | [Redact] | $11640.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.11 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243842 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3738.75 | $6306.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.422% | 11.422% | 11.422% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3738.75 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.24 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9243859 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13290.00 | $8706.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.490% | 44.490% | 44.490% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13290.00 |  | [Redact] | $39000.00 | 2.4 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.930% | No | 12 | 19 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.48 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9243863 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8988.00 | $9972.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.655% | 32.655% | 32.655% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8988.00 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 96.87 | Retail | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9245503 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8860.00 | $13154.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.652% | 40.652% | 40.652% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2014<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8860.00 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 58.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9245564 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6530.00 | $6221.97 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | North Macedonia |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.360% | 41.360% | 41.360% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6530.00 |  | [Redact] | $12300.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | VISA |  |  |  | 8.08 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9240456 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor | LLC | Guarantor - Business Entity |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.78 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240457 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 46.13 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240458 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.29 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240459 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.68 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240461 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 30.78 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240462 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 103.7 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240463 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 71.77 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240464 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.01 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240465 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.1 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240466 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.61 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240467 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 35.1 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240468 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 34.41 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240469 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 95.17 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240470 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 63.98 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240471 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.08 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240472 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.930% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.08 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240473 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.41 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240474 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.31 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240475 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.29 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240476 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 141.53 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240477 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.05 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240479 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 53.29 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240480 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.21 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240481 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 163.9 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240482 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 216.21 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240483 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] | 81.860% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 79.62 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240484 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.12 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240485 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 55.42 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240486 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.670% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 130.87 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240487 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.670% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 134.8 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240488 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 65.78 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240489 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 225.37 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240490 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.82 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240491 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 180.88 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240492 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 110.15 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240493 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.6 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240494 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 396.74 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240495 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.75 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240496 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.47 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240497 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 80.18 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240498 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.96 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240499 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 215.58 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240500 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 152.55 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240501 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 1662.44 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240502 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 2393.4 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240503 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.300% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 6.75 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240504 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.98 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.42 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240505 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.99 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240506 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 53.04 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240507 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.550% | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.27 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240508 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 60.54 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240509 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.75 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240510 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.54 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240511 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.94 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240512 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 77.340% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 54.46 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240513 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.55 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.94 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240514 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.23 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240515 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.57 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240516 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 49.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.56 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240517 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 158.97 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240518 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 205.07 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240519 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 238 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240520 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 247.32 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240521 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 112.38 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240522 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 38.29 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240523 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 131.63 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240524 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 68.03 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240525 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 72.03 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240526 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.59 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240527 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.150% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.02 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240528 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 132.86 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240529 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.9 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.84 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240530 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 67.030% | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 63 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240531 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 99.2 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240532 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.91 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240533 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.28 | 0.44 |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.27 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240534 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.67 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240535 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.17 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240536 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.87 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240537 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 10.08 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240538 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 28.68 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240539 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 50.75 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240540 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 11.15 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240541 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  | No | 91.05 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240542 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 61.93 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240543 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.15 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240544 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.26 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9240545 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.100% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 79.26 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240546 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 82.14 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240547 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 54.14 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240548 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 54.36 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240549 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 82.91 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9245778 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9997.75 | $18412.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.030% | 15.030% | 15.030% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9997.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9245796 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2141.02 | $6291.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.404% | 36.404% | 36.404% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2141.02 |  | [Redact] | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 324.88 | Retail | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9245979 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2530.00 | $4557.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.412% | 17.412% | 17.412% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2530.00 |  | [Redact] | $5000.00 | 3.3 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 6 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9245988 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $2657.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.288% | 30.288% | 30.288% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.44 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9245992 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $32515.80 | $3331.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.932% | 37.932% | 37.932% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $32515.80 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 13 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9245996 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12487.64 | $6607.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.598% | 35.598% | 35.598% | [Redact] | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12487.64 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9245994 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16893.90 | $25124.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.352% | 37.352% | 37.352% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16893.90 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.52 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9246355 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.45 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9246582 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9313.00 | $4281.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.795% | 8.795% | 8.795% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9313.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 124.57 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9246864 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 114.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9246860 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220492 | [Redact] |  | N/A |  |  |  | No | No | $10000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 87.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.18 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9190408 | [Redact] |  | N/A |  |  |  | No | No | $13000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13000.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9247915 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $3141.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.177% | 28.177% | 28.177% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.45 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9248282 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8295.00 | $9131.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.243% | 41.243% | 41.243% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8295.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.74 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9248469 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6973.00 | $8450.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.944% | 30.944% | 30.944% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6973.00 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9248795 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $34583.00 | $43832.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.938% | 4.938% | 4.938% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $34583.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.12 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9248812 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $3764.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.762% | 38.762% | 38.762% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 113.37 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9248878 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12590.00 | $2793.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.389% | 40.389% | 40.389% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12590.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9248895 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14155.26 | $15930.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.282% | 30.282% | 30.282% | [Redact] | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14155.26 |  | [Redact] | $0.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9249305 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19070.00 | $21451.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.628% | 34.628% | 34.628% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19070.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.950% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.89 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9250773 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11246.40 | $2850.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.475% | 43.475% | 43.475% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11246.40 |  | [Redact] | $0.00 | 2.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 123.78 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9213170 | [Redact] |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $16488.80 | $24686.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.700% | 27.700% | 27.700% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16488.80 |  | [Redact] | $134400.00 | 3.6 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.15 |  | Yes | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9213173 | [Redact] |  | Non QM |  |  |  | Yes | No | $16530.00 | $18393.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.037% | 32.037% | 32.037% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16530.00 |  | [Redact] | $0.00 | 4.7 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.750% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.87 |  | Yes | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9213167 | [Redact] |  | Non QM |  |  |  | Yes | No | $4245.00 | $6876.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.801% | 42.801% | 42.801% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4245.00 |  | [Redact] | $9500.00 | 1 |  |  |  | No | No | [Redact] | 3 | 3 | 2 | 0 | 3 | 0 |  |  | 15.30 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.59 |  | Yes | No |  | $0.00 | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9252095 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4390.00 | $2532.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.887% | 37.887% | 37.887% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4390.00 |  | [Redact] | $3000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.68 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9301735 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $69135.00 | $33608.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.121% | 43.121% | 43.121% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $69135.00 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9238914 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20088.63 | $1093.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.556% | 43.555% | 43.555% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $20088.63 |  | [Redact] | $50000.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 28.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238917 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7079.63 | $9837.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.976% | 44.976% | 44.976% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $7079.63 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 19.160% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.54 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238921 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12862.50 | $9477.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.654% | 42.654% | 42.654% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12862.50 |  | [Redact] | $7000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 26.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238904 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18744.32 | $21917.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.236% | 42.236% | 42.236% | [Redact] | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $18744.32 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 3 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 123.8 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238910 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3039.88 | $5636.93 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.658% | 42.658% | 42.658% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $3039.88 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 52.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238916 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16023.16 | $9547.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed | Employed |  | 7.05 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.994% | 43.994% | 43.994% | [Redact] | 747 | 723 | 754 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16023.16 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 1 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 62.260% | No |  |  | 29 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 63.23 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238912 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16885.83 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.224% | 38.224% | 38.224% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16885.83 |  | [Redact] | $26992.34 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 1 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 18.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.76 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9238911 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8735.03 | $9206.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.038% | 44.038% | 44.038% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8735.03 |  | [Redact] | $0.00 | 4.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 32.890% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.08 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238913 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12686.56 | $14915.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.491% | 22.491% | 22.491% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12686.56 |  | [Redact] | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 35.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238905 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $811.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.918% | 44.918% | 44.918% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] |  |  | [Redact] | $1000.00 | 5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 27.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9238918 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9614.00 | $210.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.216% | 43.216% | 43.216% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9614.00 |  | [Redact] | $14233.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 27.890% | No | 29 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.44 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238906 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $29759.19 | $29026.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.661% | 40.661% | 40.661% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $29759.19 |  | [Redact] | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 1 | 0 | 3 | 4 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 23.900% | Yes |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.95 | Broker | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238908 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23325.00 | $19894.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.753% | 39.752% | 39.752% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $23325.00 |  | [Redact] | $15000.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] |  |  | No | 15 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238909 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15400.00 | $8771.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.298% | 19.298% | 19.298% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15400.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 31.350% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 18.56 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238915 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16744.52 | $5958.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.126% | 34.125% | 34.125% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16744.52 |  | [Redact] | $0.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 32.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238922 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25.00 | $7672.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.255% | 35.255% | 35.255% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $25.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 43.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238924 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23013.75 | $21288.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.590% | 38.590% | 38.590% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $23013.75 |  | [Redact] | $2000.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 27.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.59 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238926 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15000.00 | $14856.09 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.996% | 36.996% | 36.996% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15000.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 26.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.95 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9238927 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20000.00 | $195.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.635% | 38.635% | 38.635% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - No Results Returned - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $20000.00 |  | [Redact] | $30000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 3 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9238929 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1470.00 | $4752.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.904% | 34.904% | 34.904% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1470.00 |  | [Redact] | $2500.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 24.990% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238907 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1775.00 | $4577.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.343% | 38.343% | 38.343% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1775.00 |  | [Redact] | $5000.00 | 4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 35.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 58.38 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238925 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18926.40 | $217.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.332% | 44.332% | 44.332% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $18926.40 |  | [Redact] | $30000.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 20.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238928 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22811.61 | $14393.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.965% | 34.965% | 34.965% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $22811.61 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 17.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.8 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238930 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10080.00 | $18737.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.893% | 43.893% | 43.893% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10080.00 |  | [Redact] | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 27.360% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.7 | Broker | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238933 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13027.36 | $14765.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India | India |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.599% | 37.599% | 37.599% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13027.36 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 29.380% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 19.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238923 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26775.00 | $27271.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.813% | 39.813% | 39.813% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $26775.00 |  | [Redact] | $0.00 | 2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 60.780% | No | 29 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9238931 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19513.80 | $14698.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.435% | 43.435% | 43.435% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $19513.80 |  | [Redact] | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 51.990% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238920 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $850.00 | $2659.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.098% | 38.098% | 38.098% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $850.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 31.960% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 24.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9238932 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20089.80 | $14287.83 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.123% | 39.123% | 39.123% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $20089.80 |  | [Redact] | $7000.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9238919 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12741.74 | $14959.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.878% | 44.878% | 44.878% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12741.74 |  | [Redact] | $0.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 12.880% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.04 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9305606 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7640.85 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7640.85 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 183.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9217159 | [Redact] |  | Non QM |  |  |  | Yes | No | $1890.00 | $3644.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.662% | 48.662% | 48.662% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1890.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9237992 | [Redact] |  | N/A |  |  |  | No | No | $8500.00 | $2128.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.412% | 38.412% | 38.412% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.89 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9206126 | [Redact] |  | N/A |  |  |  | No | No | $1495.00 | $1654.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1495.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 98.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9204928 | [Redact] |  | N/A |  |  |  | No | No | $20250.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20250.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.02 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9204716 | [Redact] |  | N/A |  |  |  | No | No | $42000.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $42000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  | 240 | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.7 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9226767 | [Redact] |  | N/A |  |  |  | No | No | $10500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $10500.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9217147 | [Redact] |  | N/A |  |  |  | No | No | $4950.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4950.00 |  | [Redact] | $1500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 178.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9237985 | [Redact] |  | N/A |  |  |  | No | No | $10407.60 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10407.60 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9357220 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1790.00 | $4676.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.646% | 9.646% | 9.646% | [Redact] | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.94 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9211448 | [Redact] |  | Non QM |  |  |  | Yes | No | $1395.00 | $2569.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.439% | 45.439% | 45.439% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1395.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9237483 | [Redact] |  | Non QM |  |  |  | Yes | No | $25745.00 | $27232.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.868% | 48.868% | 48.868% | [Redact] | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2006<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2006<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2006<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2006 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25745.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.460% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.02 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9158968 | [Redact] |  | N/A |  |  |  | No | No | $18676.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18676.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9187098 | [Redact] |  | N/A |  |  |  | No | No | $4600.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4600.00 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] | 85.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.33 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9239473 | [Redact] |  | N/A |  |  |  | No | No | $9435.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9435.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 82.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9199392 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9199074 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 86.090% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 61.13 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9238567 | [Redact] |  | N/A |  |  |  | No | No | $53200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $53200.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 88.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 85.09 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9199083 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $7000.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 211.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9230072 | [Redact] |  | N/A |  |  |  | No | No | $6250.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6250.00 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.9 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9369926 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $7742.50 | $9230.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Self-Employed |  | 8.82 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.545% | 30.545% | 30.545% | [Redact] | 790 | 790 | 763 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2016 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7742.50 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Trustee |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 130.57 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9377891 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16135.66 | $11544.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.792% | 42.792% | 42.792% | [Redact] | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16135.66 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 82.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9386005 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8232.50 | $3603.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.914% | 24.914% | 24.914% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8232.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 3 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 92.03 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9386012 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $10350.00 | $3884.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.133% | 25.133% | 25.133% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10350.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 100.17 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9222202 | [Redact] |  | Non QM |  |  |  | Yes | No | $13395.00 | $14364.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 2.718% | 2.718% | 2.718% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13395.00 |  | [Redact] | $0.00 | 2.8 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.58 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9230043 | [Redact] |  | N/A |  |  |  | No | No | $3433.64 | $3522.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.527% | 44.527% | 44.527% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3433.64 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 130.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9447888 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1498.31 | $3511.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.295% | 27.295% | 27.295% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1498.31 |  | [Redact] | $90000.00 | 1.3 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.400% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.69 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9498486 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9915.90 | $7887.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.462% | 37.462% | 37.462% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; 1099 - 2024<br> [Borrower - \| Primary Income - VA Service Related Disability]; 1099 - 2023<br> [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9915.90 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 261.88 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9498496 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $28076.50 | $11533.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.095% | 42.095% | 42.095% | [Redact] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28076.50 |  | [Redact] | $150788.08 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500979 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9501869 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $16204.00 | $6476.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.329% | 29.329% | 29.329% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16204.00 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.38 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 14 |
| [Redact] | 9501878 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35919.25 | $16050.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.569% | 46.569% | 46.569% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35919.25 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.45 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9204968 | [Redact] |  | Non QM |  |  |  | Yes | No | $5596.00 | $7893.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.336% | 37.336% | 37.336% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5596.00 |  | [Redact] | $0.00 | 3.7 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.58 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9204970 | [Redact] |  | Non QM |  |  |  | Yes | No | $6392.50 | $5587.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.751% | 39.751% | 39.751% | [Redact] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6392.50 |  | [Redact] | $0.00 | 3.2 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9204983 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2 | 0.5 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 81.49 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9555312 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5821.00 | $7271.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | Yes | Yes | Not Employed | Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.761% | 19.761% | 19.761% | [Redact] | 793 | 810 | 839 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5821.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 58.680% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 51.81 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9606078 | [Redact] | [Redact] | N/A |  |  |  | No | No | $27500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27500.00 |  | [Redact] | $0.00 | 4.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.860% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.69 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9214139 | [Redact] |  | N/A |  |  |  | No | No | $8954.40 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8954.40 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.8 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9213412 | [Redact] |  | Non QM |  |  |  | Yes | No | $2274.00 | $9280.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.636% | 33.888% | 36.636% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2006 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2274.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 54.690% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.36 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9220245 | [Redact] |  | N/A |  |  |  | No | No | $13500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] |  |  | Yes |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 66.14 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220246 | [Redact] |  | N/A |  |  |  | No | No | $7500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $7500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.1 | 0.48 |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.24 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220249 | [Redact] |  | N/A |  |  |  | No | No | $27900.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $27900.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.360% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.23 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220255 | [Redact] |  | N/A |  |  |  | No | No | $10050.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10050.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 135.14 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220256 | [Redact] |  | N/A |  |  |  | No | No | $41250.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $41250.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 156.42 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220257 | [Redact] |  | N/A |  |  |  | No | No | $9250.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $9250.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 29.08 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220270 | [Redact] |  | N/A |  |  |  | No | No | $15935.20 | $7384.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $15935.20 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.28 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220262 | [Redact] |  | N/A |  |  |  | No | No | $9625.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $9625.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 29.33 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220263 | [Redact] |  | N/A |  |  |  | No | No | $11200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $11200.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 58.37 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9220272 | [Redact] |  | N/A |  |  |  | No | No | $18725.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $18725.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 73.88 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9251426 | [Redact] |  | Non QM |  |  |  | Yes | No | $35681.54 | $40705.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.700% | 7.700% | 7.700% | [Redact] | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $35681.54 |  | [Redact] | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217356 | [Redact] |  | Non QM |  |  |  | Yes | No | $2655.00 | $3653.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.892% | 47.892% | 47.892% |  | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2655.00 |  | [Redact] | $38085.74 | 1.3 | DU |  | ApproveEligible | Yes | No | [Redact] | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.87 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9689678 | [Redact] | [Redact] | N/A |  |  |  | No | No | $30800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $30800.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.300% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 61.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217224 | [Redact] |  | N/A |  |  |  | No | No | $9826.25 | $3290.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.857% | 24.857% | 24.857% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9826.25 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9217375 | [Redact] |  | N/A |  |  |  | No | No | $31828.13 | $16166.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.625% | 20.625% | 20.625% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $31828.13 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 125.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9217343 | [Redact] |  | Non QM |  |  |  | Yes | No | $45255.00 | $13126.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.566% | 13.566% | 13.566% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $45255.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 32.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217319 | [Redact] |  | Non QM |  |  |  | Yes | No | $14804.42 | $38587.27 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.841% | 22.841% | 22.841% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $14804.42 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.240% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9217352 | [Redact] |  | Non QM |  |  |  | Yes | No | $16724.00 | $23513.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.784% | 34.784% | 34.784% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 94.990% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.99% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.99% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.99% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.99% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.99% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 81.04% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $16724.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9251230 | [Redact] |  | Non QM |  |  |  | Yes | No | $29025.00 | $31306.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.813% | 17.813% | 17.813% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $29025.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9251463 | [Redact] |  | Non QM |  |  |  | Yes | No | $19321.56 | $20474.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.449% | 39.449% | 39.449% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $19321.56 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9251433 | [Redact] |  | N/A |  |  |  | No | No | $36786.02 | $10296.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.686% | 45.686% | 45.686% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $36786.02 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 11.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9251386 | [Redact] |  | Non QM |  |  |  | Yes | No | $10735.25 | $13159.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.858% | 41.858% | 41.858% | [Redact] | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10735.25 |  | [Redact] | $7000.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.04 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9251370 | [Redact] |  | Non QM |  |  |  | Yes | No | $8163.12 | $9221.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.449% | 49.449% | 49.449% | [Redact] | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8163.12 |  | [Redact] | $43833.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9251405 | [Redact] |  | N/A |  |  |  | No | No | $22996.50 | $7353.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.090% | 42.090% | 42.090% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $22996.50 |  | [Redact] | $0.00 | 2.7 |  |  |  | No | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.670% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 5.89 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9251325 | [Redact] |  | Non QM |  |  |  | Yes | No | $38586.50 | $51727.66 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | Yes | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.046% | 46.046% | 46.046% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $38586.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 210.91 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9251330 | [Redact] |  | Non QM |  |  |  | Yes | No | $81434.00 | $38158.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.896% | 44.896% | 44.896% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 88.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $81434.00 |  | [Redact] | $46868.92 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.53 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9241918 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 60.22 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9241919 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**MSRM 2025-NQM9**

**By Clarifii LLC on November 4, 2025**

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 1

![](ex993001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 97 Loans (the "Loans") originated by a correspondent lender and acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates (the "Client") for the MSRM 2025-NQM9 transaction. The Loans referenced in this narrative report were reviewed between 11/2024 to 09/2025 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;Retail | &nbsp;&nbsp;18 | &nbsp;&nbsp;18.56% | &nbsp;&nbsp;$8610490.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;28 | &nbsp;&nbsp;28.87% | &nbsp;&nbsp;$11041401.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.12% | &nbsp;&nbsp;$1092500.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;47 | &nbsp;&nbsp;48.45% | &nbsp;&nbsp;$18679793.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$39424184.00** |

---

The Review consisted of a population of 97 Loans, with an aggregate principal balance of $39,424,184.00.

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

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

**LOAN SAMPLING**

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |

---

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---

| |
|:---|
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &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 Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |

---

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**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **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

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● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **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"

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

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

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

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

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

● **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 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).

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**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).

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**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

● **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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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*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 determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

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

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

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

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 13

![](ex993001.jpg)

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &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;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 |
| &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;3 |

---

**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, clients, and rating agency requirements.

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

**Final Event Grade**

---

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

---

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 14

![](ex993001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**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. |

---

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 15

![](ex993001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;75 | &nbsp;&nbsp;77.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;22.68% |
| &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;**97** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;80 | &nbsp;&nbsp;82.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;17.53% |
| &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;**97** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &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;**97** | &nbsp;&nbsp;**100.00%** |

---

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 16

![](ex993001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91 | &nbsp;&nbsp;93.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.19% |
| &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;**97** | &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;2 | &nbsp;&nbsp;2.06% | &nbsp;&nbsp;$1241900.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;95 | &nbsp;&nbsp;97.94% | &nbsp;&nbsp;$38182284.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$39424184.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.43% | &nbsp;&nbsp;$6958651.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.19% | &nbsp;&nbsp;$1502200.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;77 | &nbsp;&nbsp;79.38% | &nbsp;&nbsp;$30963333.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$39424184.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;57 | &nbsp;&nbsp;58.76% | &nbsp;&nbsp;$21496350.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;40 | &nbsp;&nbsp;41.24% | &nbsp;&nbsp;$17927834.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$39424184.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;97 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$39424184.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$39424184.00** |

---

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 17

![](ex993001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.09% | &nbsp;&nbsp;$685000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;94 | &nbsp;&nbsp;96.91% | &nbsp;&nbsp;$38739184.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**97** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$39424184.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97 | &nbsp;&nbsp;98.97% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;10 | &nbsp;&nbsp;39 | &nbsp;&nbsp;74.36% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;16 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;97 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;80 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;95 | &nbsp;&nbsp;98.95% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;97 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;95 | &nbsp;&nbsp;98.95% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 18

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;89 | &nbsp;&nbsp;95.51% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;7 | &nbsp;&nbsp;96 | &nbsp;&nbsp;92.71% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;96 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;26 | &nbsp;&nbsp;96 | &nbsp;&nbsp;72.92% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;97.10% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;70 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;46 | &nbsp;&nbsp;84.78% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;7 | &nbsp;&nbsp;15 | &nbsp;&nbsp;53.33% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;43 | &nbsp;&nbsp;95.35% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 19

![](ex993001.jpg)

**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.

MSRM 2025-NQM9 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 8999047 C A | Closed | FCRE1148 | 2024-11-11 10:06 | 2024-11-13 15:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated commitment provided. - Due Diligence Vendor-11/13/2024 <br> Ready for Review-Document Uploaded. Please find the final prelim for review. - Seller-11/12/2024 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). No updated coverage noted. The CPL provided also states XXXX. - Due Diligence Vendor-11/11/2024 | Ready for Review-Document Uploaded. Please find the final prelim for review. - Seller-11/12/2024<br>| Resolved-Updated commitment provided. - Due Diligence Vendor-11/13/2024<br>| LTV is less than guideline maximum - 71.86% vs. 80% max<br>Qualifying DTI below maximum allowed - 37.02% vs. 50% max |  | 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 | 2781155 |
| XXXX | XXXX | 9056918 D A | Closed | FPRO1255 | 2025-03-06 19:53 | 2025-03-12 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-03/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Project Questionnaire - Per 1008 Warrantable Condo - Due Diligence Vendor-03/07/2025 |  | Resolved-Received CPM - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 759 Min 700<br>Months Reserves exceed minimum required - Reserves: 33 Min 12<br>LTV is less than guideline maximum - LTV: 75 Max 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3551207 |
| XXXX | XXXX | 9056918 D A | Closed | FCRE9996 | 2025-03-06 20:13 | 2025-03-12 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-CPM provided. Condo development is only 2 stories and does not require a structural engineer report. - Due Diligence Vendor-03/12/2025 <br> Counter-CPM provided. Please provide the Structural Engineer Report. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-03/10/2025 <br> Open-The file does not contain the required structural engineer report per XXXX law. Built in XXXX; balconies / structure appear to be concrete construction. XXXX Search shows subject is within 3 miles of XXXX Public Beach. <br> Condo: Missing Project Questionnaire<br> - Due Diligence Vendor-03/07/2025 |  | Resolved-CPM provided. Condo development is only 2 stories and does not require a structural engineer report. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 759 Min 700<br>Months Reserves exceed minimum required - Reserves: 33 Min 12<br>LTV is less than guideline maximum - LTV: 75 Max 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3551240 |
| XXXX | XXXX | 9056918 D A | Closed | FCOM1352 | 2025-03-07 09:05 | 2025-03-11 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-03/07/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business purpose disclosure - - Due Diligence Vendor-03/07/2025 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 759 Min 700<br>Months Reserves exceed minimum required - Reserves: 33 Min 12<br>LTV is less than guideline maximum - LTV: 75 Max 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3553969 |
| XXXX | XXXX | 9133862 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9125120 C A | Closed | FPRO0009 | 2025-04-18 09:55 | 2025-04-29 14:56 | Resolved | 1 - Information C A | Property | Property | Missing documentation of warrantability | Resolved-Received UW attestation. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. revised 1008 and comment of warrantable condo verify - Buyer-04/28/2025 <br>Counter-Document will not open. Please re-upload. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-CCR reupload imported as a batch condition document as it throws an error when attached to condition. Please review. - Buyer-04/23/2025 <br>Counter-Document will not open. Please re-upload. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. It was already in pkg#184-286. - Buyer-04/21/2025 <br>Open-Missing lender's warrantability certification - Due Diligence Vendor-04/18/2025 |  | Resolved-Received UW attestation. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 32.94 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 708 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3900257 |
| XXXX | XXXX | 9125120 C A | Closed | FCRE1148 | 2025-04-18 09:46 | 2025-04-22 14:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Supplement w/sufficient coverage. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/21/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage not provided - Due Diligence Vendor-04/18/2025 |  | Resolved-Received Title Supplement w/sufficient coverage. - Due Diligence Vendor-04/22/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 32.94 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 708 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3900089 |
| XXXX | XXXX | 9190982 D A C | Closed | finding-3408 | 2025-08-21 11:17 | 2025-08-26 08:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025 <br>Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-08/21/2025 |  | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  |  | 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 | 5265533 |
| XXXX | XXXX | 9190982 D A C | Closed | finding-3406 | 2025-08-21 11:17 | 2025-08-26 08:26 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a XXXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a XXXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-08/21/2025 |  | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  |  | 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 | 5265534 |
| XXXX | XXXX | 9190982 D A C | Closed | finding-3393 | 2025-08-21 11:17 | 2025-08-26 08:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is XXXX or more, and the transaction's total points and fees is XXXX, which exceeds 5 percent of the total loan amount of XXXX; orThe loan amount is less than XXXX and the transaction's total points and fees is XXXX, which exceeds the lesser of 8 percent of the total loan amount of XXXX or XXXX. High-cost point and fees exceed threshold by XXXX - Due Diligence Vendor-08/26/2025 |  | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  |  | 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 | 5265543 |
| XXXX | XXXX | 9190982 D A C | Closed | finding-3399 | 2025-08-21 11:17 | 2025-08-26 08:03 | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025 <br>Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-08/21/2025 |  | Resolved--Received undiscounted rate, applied to loan points, loan is no longer high-cost - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  |  | 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 | 5265544 |
| XXXX | XXXX | 9190982 D A C | Closed | FCRE1254 | 2025-05-16 12:56 | 2025-06-06 10:19 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-The selling entity is owned by another entity. Neither entity appears on the fraud report and the appraisal indicates this is a arms length transaction. - Due Diligence Vendor-06/06/2025 <br> Counter-Documentation received is insufficient-seller LLC documentation required to confirm meets Arms Length Transaction as noted on 4.4 of guidelines. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-XXXX guidelines do not require acquisition of seller LLC documents. Please clear finding. - Seller-05/21/2025 <br> Open-Property Title Issue Provide the LLC documents for the Selling LLC so it can be verified there is no relationship between buyer and seller. Review of opencorporates was inconclusive.<br> - Due Diligence Vendor-05/16/2025 | Ready for Review-XXXX guidelines do not require acquisition of seller LLC documents. Please clear finding. - Seller-05/21/2025 | Resolved-The selling entity is owned by another entity. Neither entity appears on the fraud report and the appraisal indicates this is a arms length transaction. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  | 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 | 4165409 |
| XXXX | XXXX | 9190982 D A C | Closed | FCRE1506 | 2025-05-16 14:29 | 2025-06-06 10:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Two additional paystubs provided supporting number of hours worked. Income calculated using YTD. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. This shows the borrower worked 36 hours the most recent 2 work weeks. This also shows YTD income of XXXX divided by 50 days (XXXX) =XXXX x 365 days / 12 months = XXXX per month gross income. This is literally XXXX under what we estimated. There is plenty of room in DTI to cover this $105 difference in monthly income from this source of employment. shows steady hours, please clear findings. - Seller-06/02/2025 <br> Counter-Documentation received is insufficient-hours to be verified by employer via email, WVOE or letter. Original findings remains. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Based on the nature of business and industry of borrower's primary source of employment, we were not comfortable averaging # of house worked, based on the first few paystubs. When we received the most recent paystub, we discovered 37 hours worked, similar to XXXX paystub. We used 37 hours as average hours worked for this primary job. In addition, with the borrower's start date of XXXX, the first paystub reflected less than ½ a week's worth of hours worked. The 37 hours included hourly rates of XXXX and XXXX.<br> The borrower started the new job in XXXX, XXXX, but has worked in this XXXX for last 8+ years.<br>The borrower's previous job with XXXX yielded $37k income for XXXX. Our current job withXXXX replaced the prior.<br> - Seller-05/21/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. For borrower's primary employment, missing documentation of guaranteed rate and number of hours. Borrower started employment XXXX, and VOI shows and hourly rate but not average hours per week. Paystubs provided show varying rates of pay and varying hours. Audit used YTD income from paystub and averaged for the time worked employment date of XXXX. Additional findings may apply. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. This shows the borrower worked 36 hours the most recent 2 work weeks. This also shows YTD income of XXXX divided by 50 days XXXX –XXXX) = XXXX x 365 days / 12 months = XXXX per month gross income. This is literally XXXX under what we estimated. There is plenty of room in DTI to cover this XXXX difference in monthly income from this source of employment. shows steady hours, please clear findings. - Seller-06/02/2025 <br> Ready for Review-Based on the nature of business and industry of borrower's primary source of employment, we were not comfortable averaging # of house worked, based on the first few paystubs. When we received the most recent paystub, we discovered 37 hours worked, similar to XXXX paystub. We used 37 hours as average hours worked for this primary job. In addition, with the borrower's start date of XXXX, the first paystub reflected less than ½ a week's worth of hours worked. The 37 hours included hourly rates of XXXX and XXXX.<br> The borrower started the new job in XXXX, but has worked in this XXXX industry for last 8+ years.<br>The borrower's previous job with XXXX yielded XXXX income for XXXX. Our current job with XXXX replaced the prior.<br> - Seller-05/21/2025 | Resolved-Two additional paystubs provided supporting number of hours worked. Income calculated using YTD. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  | 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 | 4166952 |
| XXXX | XXXX | 9190982 D A C | Closed | FCRE1964 | 2025-05-16 12:09 | 2025-06-06 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-2 additional paystubs provided - YTD income used to qualify. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. This shows the borrower worked 36 hours the most recent 2 work weeks. This also shows YTD income of XXXX divided by 50 days (XXXX) = XXXX x 365 days / 12 months = XXXX per month gross income. This is literally XXXX under what we estimated. There is plenty of room in DTI to cover this XXXX difference in monthly income from this source of employment. shows steady hours, please clear findings. - Seller-06/02/2025 <br> Counter-Documentation received is insufficient-hours to be verified by employer via email, WVOE or letter. Original findings remains. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Based on the nature of business and industry of borrower's primary source of employment, we were not comfortable averaging # of house worked, based on the first few paystubs. When we received the most recent paystub, we discovered 37 hours worked, similar to XXXX paystub. We used 37 hours as average hours worked for this primary job. In addition, with the borrower's start date of XXXX, the first paystub reflected less than ½ a week's worth of hours worked. The 37 hours included hourly rates of XXXX and XXXX.<br> The borrower started the new job in XXXX, XXXX, but has worked in this XXXX for last 8+ years.<br>The borrower's previous job with XXXX yielded $37k income for XXXX. Our current job with XXXX replaced the prior.<br> please clear findings. - Seller-05/21/2025 <br> Open-For borrower's primary employment, missing documentation of guaranteed rate and number of hours. Borrower started employment XXXX, and VOI shows and hourly rate but not average hours per week. Paystubs provided show varying rates of pay and varying hours. Audit used YTD income from paystub and averaged for the time worked employment date of XXXX. Additional findings may apply. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. This shows the borrower worked 36 hours the most recent 2 work weeks. This also shows YTD income of XXXX divided by 50 days (XXXX) = XXXX x 365 days / 12 months = XXXX per month gross income. This is literally XXXX under what we estimated. There is plenty of room in DTI to cover this XXXX difference in monthly income from this source of employment. shows steady hours, please clear findings. - Seller-06/02/2025 <br> Ready for Review-Based on the nature of business and industry of borrower's primary source of employment, we were not comfortable averaging # of house worked, based on the first few paystubs. When we received the most recent paystub, we discovered 37 hours worked, similar to XXXX paystub. We used 37 hours as average hours worked for this primary job. In addition, with the borrower's start date of 4/2, the first paystub reflected less than ½ a week's worth of hours worked. The 37 hours included hourly rates of XXXX and XXXX.<br> The borrower started the new job in XXXX, but has worked in this XXXX industry for last 8+ years.<br>The borrower's previous job with XXXX yielded XXXX income for XXXX. Our current job with XXXX replaced the prior.<br> please clear findings. - Seller-05/21/2025 | Resolved-2 additional paystubs provided - YTD income used to qualify. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  | 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 | 4164839 |
| XXXX | XXXX | 9190982 D A C | Closed | FCRE1440 | 2025-05-16 14:02 | 2025-06-03 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected 1003. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. uploaded the correct 1003 please clear findings. - Seller-06/02/2025 <br> Counter-Documentation received is insufficient-final 1003 indicates borrower is renting XXXX for 4 months. Acceptable housing history required. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. the VOR was completed by a full company not an individual which meets company guidelines. - Seller-05/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rental history for borrower's primary residence noted as rented for 4 months. File includes a VOR for XXXX and a rent-free letter from a friend dated XXXX stating borrower resided with friend for past couple of weeks. Guidelines require Legible copy of canceled checks (front and back) or money orders – amount of checks / money orders must be consistent and match the amount of monthly rent reflected on the 1003, Verification of Rent (VOR) or a rating from credit reporting agency if from rental agency, or Bank statements which consistently show payment made for rent amount. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. uploaded the correct 1003 please clear findings. - Seller-06/02/2025 <br>Ready for Review-Document Uploaded. the VOR was completed by a full company not an individual which meets company guidelines. - Seller-05/21/2025<br>| Resolved-Received corrected 1003. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  | 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 | 4166513 |
| XXXX | XXXX | 9190982 D A C | Closed | FCRE1510 | 2025-05-15 07:47 | 2025-05-23 14:30 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. please find the dot with legal. - Seller-05/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. please find the dot with legal. - Seller-05/21/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 761 FICO exceeds 600 minimum required.<br>Months Reserves exceed minimum required - 29.31 mths reserves; 0 mths required. |  | 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 | 4147974 |
| XXXX | XXXX | 9146932 D B A | Closed | FCRE1194 | 2025-05-20 10:34 | 2025-07-09 13:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver using appraised value when subject listed for sale, applied to non material finding with comp factors - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-06/04/2025 <br> Counter-Received exception-appraiser notes listing XXXX on XXXX-revised exception for appraised value required. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-05/27/2025 <br> Open-Audited LTV of 81.87% exceeds Guideline LTV of 75% Per guides, first-time investors are held to a maximum LTV ratio of 75%. Further, the 3-year listing history addendum to the appraisal reflects subject was last listed for XXXX on XXXX. Guides require the lower of the list price or the appraised value to be used to calculate the LTV when the subject is listed for sale within 3 months of the application date. The audited LTV ratio using the most recent list price is 81.87%. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-06/04/2025<br>| Waived-Client provided a waiver using appraised value when subject listed for sale, applied to non material finding with comp factors - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 qualifying FICO score, 700 minimum score required.<br>DSCR % greater than 1.20 - DSCR % is 1.575 | FICO: 755>700<br> Credit history: 0x30 10 years. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 4190957 |
| XXXX | XXXX | 9146932 D B A | Closed | FCRE1198 | 2025-05-20 10:34 | 2025-06-11 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received acceptable confirmation borrower is experienced investor. Reserves are sufficient. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Full operating agreement - Seller-06/10/2025 <br> Counter-Provide complete Operating Agreement confirming borrower is sole member. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. UW Cert and fraud report shows borrower has owned property XXXX, under the business entity "XXXX" since XXXX-- operating agreement shows borrower 100% owner of that business entity (XXXX) - Buyer-06/06/2025 <br> Counter-Documentation is insufficient-please provide Operating Agreement confirming ownership of LLC and access to funds. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-06/02/2025 <br> Counter-Please provide supporting documentation of ownership of XXXX. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Rebuttal included - Borrower is not a First Time Investor. They own rental/investment property at XXXX for over 12 months since XXXX. The Fraud Report in file verifies this purchase in the same LLC name as the LLC we have docs in file verifying our borrower is 100% owner. - Seller-05/27/2025 <br> Open-Audited Reserves of 3.98 month(s) are less than Guideline Required Reserves of 12 month(s) Per guides, first-time investors require 12 months of PITIA reserves. Including the limited cash back at closing, the borrower had only 4.15 months of PITIA reserves documented in the loan file. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Full operating agreement - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-06/02/2025 <br> Ready for Review-Document Uploaded. Rebuttal included - Borrower is not a First Time Investor. They own rental/investment property at XXXX for over 12 months since XXXX. The Fraud Report in file verifies this purchase in the same LLC name as the LLC we have docs in file verifying our borrower is 100% owner. - Seller-05/27/2025 | Resolved-Received acceptable confirmation borrower is experienced investor. Reserves are sufficient. - Due Diligence Vendor-06/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 qualifying FICO score, 700 minimum score required.<br>DSCR % greater than 1.20 - DSCR % is 1.575 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4190958 |
| XXXX | XXXX | 9146932 D B A | Closed | FCRE8702 | 2025-05-20 09:02 | 2025-05-30 11:44 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received COGS. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Seller-05/29/2025 <br>Counter-Received duplicate documentation-please provide Good Standing-original finding remains. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-05/21/2025 <br>Open-The Business Entity Formation Document is incomplete File is missing a copy of the Certificate of Good Standing for the vested business entity. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Supporting doc - Seller-05/29/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-05/21/2025<br>| Resolved-Received COGS. - Due Diligence Vendor-05/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 qualifying FICO score, 700 minimum score required.<br>DSCR % greater than 1.20 - DSCR % is 1.575 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4189625 |
| XXXX | XXXX | 9146932 D B A | Closed | FCRE3333 | 2025-05-20 09:38 | 2025-05-29 15:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Client provided a waiver for property listed for sale applied to non material finding with comp factors - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Seller-05/27/2025 <br> Open-Subject property was listed for sale within a time period not allowed per guidelines Per guides, subject property must be removed from listing for at least one month prior to application and LTV will be based on the lesser of the list price or appraised value when listed within the last three months of the application date. <br> 1. The initial loan application is dated XXXX and the 3 year listing history addendum from appraisal reflects subj was withdrawn from listing on XXXX, just 1 day prior to the loan application date. As a result the subject property was not eligible for a rate and term refinance.<br> 2. 1008 reflects the appraised value was used to calculate the qualifying LTV ratio. However, the list price of XXXX was required to be used.<br> The loan file does not contain an exception request or approval. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-05/27/2025<br>| Waived-Client provided a waiver for property listed for sale applied to non material finding with comp factors - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 qualifying FICO score, 700 minimum score required.<br>DSCR % greater than 1.20 - DSCR % is 1.575 | FICO: 755>700<br> Credit: 0x30 for >36 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 4190116 |
| XXXX | XXXX | 9146932 D B A | Closed | FCRE3653 | 2025-05-20 10:07 | 2025-05-29 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received address LOE. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. loe address - Seller-05/28/2025 <br> Open-Letter of explanation required for address discrepancy between driver's license and loan application. The borrower's license was issued XXXX and reflects an address that is neither their current address or prior address for the past 3 years. The LOX in file does not address the address on the borrower's driver's license. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. loe address - Seller-05/28/2025<br>| Resolved-Received address LOE. - Due Diligence Vendor-05/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 755 qualifying FICO score, 700 minimum score required.<br>DSCR % greater than 1.20 - DSCR % is 1.575 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4190581 |
| XXXX | XXXX | 9119051 D A | Closed | FPRO1145 | 2025-07-09 13:53 | 2025-10-02 13:20 | Resolved | 1 - Information D A | Property | Missing Doc | Completion Report (442/1004D) is Partially Provided (Primary Value) | Resolved-Per XXXX- The appraiser marked box 4 which does not require a 1004D and the appraisal was not actually calling for any repairs. Copy of third-party inspection report is in file - Water turned on, checked for leaks. - Due Diligence Vendor-07/24/2025 <br> Counter-Received invoice, photos-missing attestation letter from borrower confirming all repairs complete meeting XXXX B4-1.2-05, Requirements for Verifying Completion and Postponed Improvements (XXXX) or provide complete 1004d. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Final Inspection - Buyer-07/16/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is Partially Present. A 1004D was missing from the file. There was an invoice on page 610 for the water repair and hookup and photos confirming; however, either a 1004D or a Borrower attestation letter is required per FNMA guides. - Due Diligence Vendor-07/09/2025 |  | Resolved-Per XXXX - The appraiser marked box 4 which does not require a 1004D and the appraisal was not actually calling for any repairs. Copy of third-party inspection report is in file - Water turned on, checked for leaks. - Due Diligence Vendor-07/24/2025 | Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 46.92 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 791 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4752512 |
| XXXX | XXXX | 9119051 D A | Closed | FCRE1324 | 2025-05-23 13:29 | 2025-07-08 15:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-After further review, the loan file contains the signed 4506C. - Due Diligence Vendor-07/08/2025 <br>Open-Borrower 1 Tax Returns Not Signed missing signature on the returns - Due Diligence Vendor-05/23/2025 |  | Resolved-After further review, the loan file contains the signed 4506C. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 46.92 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 791 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4230600 |
| XXXX | XXXX | 9119051 D A | Closed | FCOM1352 | 2025-05-23 13:23 | 2025-06-05 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business Purpose Affidavit Disclosure was provided - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Signed Business Purpose Affidavit - Buyer-06/04/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business purpose disclosure missing. - Due Diligence Vendor-05/23/2025 |  | Resolved-Business Purpose Affidavit Disclosure was provided - Due Diligence Vendor-06/05/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 46.92 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 791 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4230432 |
| XXXX | XXXX | 9146936 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9173479 D B C A | Closed | FCRE8525 | 2025-06-05 10:22 | 2025-06-17 13:23 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Loan amount is XXXX and a 2nd full appraisal is not required unless the loan amount is over XXXX. Finding added for secondary valuation. - Due Diligence Vendor-06/12/2025 <br> Open-Two or more full valuation products were not provided.' Missing secondary valuation as required. - Due Diligence Vendor-06/05/2025 |  | Resolved-Loan amount is XXXX and a 2nd full appraisal is not required unless the loan amount is over XXXX. Finding added for secondary valuation. - Due Diligence Vendor-06/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 766.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 915.32 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4344536 |
| XXXX | XXXX | 9173479 D B C A | Closed | FPRO1253 | 2025-06-12 16:48 | 2025-06-17 13:22 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported within tolerance. - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. CDA and SSRs - Buyer-06/16/2025 <br>Ready for Review-Document Uploaded. CDA - Buyer-06/16/2025 <br>Open-a third party valuation product is required to support the original value - Due Diligence Vendor-06/12/2025 |  | Resolved-Received Desk Review. Value supported within tolerance. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 766.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 915.32 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4431736 |
| XXXX | XXXX | 9173479 D B C A | Closed | FCRE1199 | 2025-06-05 10:39 | 2025-06-12 14:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client provided a waiver DSCR <1, applied to non material finding with comp factors - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Exception request and approval - Buyer-06/11/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $1500000 Per matrix, where DSCR is less than 1, the max loan amount on cashout is $1,500,000. No exception documentation provided for exceeding loan amount. All other overlays for DSCR less than 1 are met. - Due Diligence Vendor-06/05/2025 |  | Waived-Client provided a waiver DSCR <1, applied to non material finding with comp factors - Due Diligence Vendor-06/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 766.<br>Months Reserves exceed minimum required - Months reserves required is 9; qualifying reserves is 915.32 months. | FICO: 766>700 minimum required<br> Reserves: 842 months verified >9 months required<br> LTV: 39% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4344787 |
| XXXX | XXXX | 9134563 D A | Closed | FPRO1253 | 2025-06-12 09:06 | 2025-07-28 13:15 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Seller-07/25/2025 <br>Counter-Received final inspection-missing secondary valuation - original finding remains. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-06/20/2025 <br>Open-Missing desk review or equivalent to support value. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Supporting Doc - Seller-07/25/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-07/28/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 243.73 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4422828 |
| XXXX | XXXX | 9134563 D A | Closed | FCRE5782 | 2025-06-11 12:46 | 2025-07-28 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. Supporting document - Buyer-07/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/11/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-07/28/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 243.73 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4412310 |
| XXXX | XXXX | 9134563 D A | Closed | FCRE1440 | 2025-06-12 09:18 | 2025-07-28 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR and file reflects previous mortgage rating. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Seller-07/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month VOR to meet guidelines. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Supporting Doc - Seller-07/23/2025<br>| Resolved-Received VOR and file reflects previous mortgage rating. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 243.73 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4423023 |
| XXXX | XXXX | 9134563 D A | Closed | FCRE0044 | 2025-06-11 13:30 | 2025-06-23 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-06/20/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-06/11/2025 |  | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-06/23/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 243.73 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4413065 |
| XXXX | XXXX | 9182094 B A | Closed | FCOM5135 | 2025-06-13 13:18 | 2025-06-13 13:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-06/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 785<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 77 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4442896 |
| XXXX | XXXX | 9201250 C B A | Closed | FCRE1510 | 2025-06-24 08:27 | 2025-06-26 11:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal Description. - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-06/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A, legal description missing from Mortgage - Due Diligence Vendor-06/24/2025 |  | Resolved-Received Mortgage w/Legal Description. - Due Diligence Vendor-06/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 790<br>Qualifying DTI below maximum allowed - Max 50%, actual 30.27%<br>Months Reserves exceed minimum required - Min 3 months, actual 51.12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4538699 |
| XXXX | XXXX | 9201250 C B A | Closed | FCRE1248 | 2025-06-24 08:52 | 2025-06-24 10:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted to allow non arm's length purchase of investment. Non-material waiver applied with comp factors. Deemed non-material due to strong comp factors and pay history on subject verified no bail out. - Due Diligence Vendor-06/24/2025 <br>Open-Non-Arm's Length Transactions Not Allowed for Program Not allowed on investment purchase-borrower is purchasing from son and Daughter in law. - Due Diligence Vendor-06/24/2025 |  | Waived-Client exception granted to allow non arm's length purchase of investment. Non-material waiver applied with comp factors. Deemed non-material due to strong comp factors and pay history on subject verified no bail out. - Due Diligence Vendor-06/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 790<br>Qualifying DTI below maximum allowed - Max 50%, actual 30.27%<br>Months Reserves exceed minimum required - Min 3 months, actual 51.12 months | Credit score 790<br> DTI 32%<br> Reserves 12 months<br> Residual Income $18,000 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 4539343 |
| XXXX | XXXX | 9173531 D B C A | Closed | FCRE1325 | 2025-06-26 10:00 | 2025-07-02 09:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Waived-Client waiver applied to non-material finding - PTIN Letter verified came from preparer - verification of preparer in file - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. CPA advised she is not going to sign this. We tried before we closed the loan. The underwriter accepted a copy of the email included in the attached where the CPA sent us the letter to clear the condition. - Seller-07/01/2025 <br>Open-Borrower 1 CPA Letter Missing ---PTIN tax preparer letter provided to show borrower business ownership-not allowed since preparer owns their own business.<br> Note: Client exception is in file to allow this however the letter provided is not signed. Once a signed letter is obtained the exception will be considered for waiver. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. CPA advised she is not going to sign this. We tried before we closed the loan. The underwriter accepted a copy of the email included in the attached where the CPA sent us the letter to clear the condition. - Seller-07/01/2025<br>| Waived-Client waiver applied to non-material finding - PTIN Letter verified came from preparer - verification of preparer in file - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 796<br>Months Reserves exceed minimum required - 3 required, actual 18.89 months<br>Qualifying DTI below maximum allowed - Max 50%, actual 19.45%<br>LTV is less than guideline maximum - Max 80%, actual 50.98% | Credit score 796<br> DTI 20%<br> Employment Stable<br> Reserves 3 months<br> Residual income 7162<br> Credit history 0x30<br> LTV 51%<br> Credit profile acceptable | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4569691 |
| XXXX | XXXX | 9173531 D B C A | Closed | FCRE1252 | 2025-06-26 11:01 | 2025-07-02 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Executed Quit-Claim Deed submitted showing removal of buyout party - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Seller-07/01/2025 <br>Open-Title Document is Incomplete Missing evidence that buyout party was removed from title - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Supporting doc - Seller-07/01/2025<br>| Resolved-Executed Quit-Claim Deed submitted showing removal of buyout party - Due Diligence Vendor-07/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 796<br>Months Reserves exceed minimum required - 3 required, actual 18.89 months<br>Qualifying DTI below maximum allowed - Max 50%, actual 19.45%<br>LTV is less than guideline maximum - Max 80%, actual 50.98% |  | 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 | 4571059 |
| XXXX | XXXX | 9173531 D B C A | Closed | finding-3634 | 2025-06-24 14:22 | 2025-07-01 12:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved. - Due Diligence Vendor-07/01/2025 <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) 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 year- Expiration date is XXXX. - Due Diligence Vendor-06/24/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved. - Due Diligence Vendor-07/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 796<br>Months Reserves exceed minimum required - 3 required, actual 18.89 months<br>Qualifying DTI below maximum allowed - Max 50%, actual 19.45%<br>LTV is less than guideline maximum - Max 80%, actual 50.98% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4545995 |
| XXXX | XXXX | 9182066 C A | Closed | FCRE1198 | 2025-06-27 13:20 | 2025-07-17 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received verification of the EMD. Audited Reserves of 3.03 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/15/2025 <br> Counter-Received updated assets--reserves are insufficient-missing 3 months PITIA reserves. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-07/02/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Asset acct XXXX period ending XXXX was provided but does not have enough funds for closing and reserved. - Due Diligence Vendor-06/27/2025 |  | Resolved-Received verification of the EMD. Audited Reserves of 3.03 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 761 Min 700<br>LTV is less than guideline maximum - LTV: 75% Max 80%<br>DSCR % greater than 1.20 - DSCR = 1.404 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4588460 |
| XXXX | XXXX | 9182066 C A | Closed | FCRE9501 | 2025-06-27 13:12 | 2025-07-17 13:11 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated assets. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-07/02/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-11932.48'. Assets are Insufficient. Provide satisfactory documentation evidencing sufficient funds to meet minimum closing cost requirements; including, but not limited to source of funds reflected on final Closing Disclosure. Asset acct XXXX period ending XXXX was provided but does not have enough funds for closing and reserved. - Due Diligence Vendor-06/27/2025 |  | Resolved-Received updated assets. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 761 Min 700<br>LTV is less than guideline maximum - LTV: 75% Max 80%<br>DSCR % greater than 1.20 - DSCR = 1.404 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4588312 |
| XXXX | XXXX | 9201269 C A | Closed | FPRO0021 | 2025-06-30 13:51 | 2025-07-08 13:17 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. PDI - Buyer-07/07/2025 <br> Open-XXXX disaster after appraisal without a Individual PDI or 1004D. Incident Period: XXXX - XXXX<br>Declaration Date: XXXX - Due Diligence Vendor-06/30/2025 |  | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-07/08/2025 | DSCR % greater than 1.20 - DSCR 1.59 is above the minimum required DSCR of 1.0 <br>Months Reserves exceed minimum required - 15 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4605389 |
| XXXX | XXXX | 9201269 C A | Closed | FCRE0109 | 2025-06-30 13:51 | 2025-07-02 13:37 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received unexpired Driver License - Due Diligence Vendor-07/02/2025 <br>Ready for Review-Document Uploaded. DL - Buyer-07/01/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-06/30/2025 |  | Resolved-Received unexpired Driver License - Due Diligence Vendor-07/02/2025<br>| DSCR % greater than 1.20 - DSCR 1.59 is above the minimum required DSCR of 1.0 <br>Months Reserves exceed minimum required - 15 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4605390 |
| XXXX | XXXX | 9197022 D A | Closed | FCRE1509 | 2025-07-07 09:40 | 2025-07-17 12:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received confirmation from originator prepayment note addendum matching rider is correct. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. LOX - Buyer-07/16/2025 <br>Open-There are Issues Present on the Note that must be addressed. There are 2 prepayment addendums to the Note signed by the borrower(s). Prepayment Addendum 1 shows 60 months at 6 months interest exceeding 20%. Prepayment Addendum 2 shows 60 months declining 5%, 4%, 3%, 2%, 1% prepayment exceeding 20%. Audit used Prepayment Addendum 2 which matches the Prepayment Rider. - Due Diligence Vendor-07/07/2025 |  | Resolved-Received confirmation from originator prepayment note addendum matching rider is correct. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 795.<br>Credit history exceeds minimum required - Borrowers have 0 late payments across all tradelines for over 20 years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4675205 |
| XXXX | XXXX | 9197022 D A | Closed | FCRE1201 | 2025-07-07 10:11 | 2025-07-15 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Fraud Report - Buyer-07/14/2025 <br>Open-Missing Third Party Fraud Report 3rd party fraud report for B1 and B2 is missing. Additional conditions may apply. - Due Diligence Vendor-07/07/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 795.<br>Credit history exceeds minimum required - Borrowers have 0 late payments across all tradelines for over 20 years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4679896 |
| XXXX | XXXX | 9217002 D A | Closed | FCRE5116 | 2025-07-08 13:21 | 2025-07-17 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-After further review, the lenders guidelines state the VOM is required at the lender's discretion. - Due Diligence Vendor-07/17/2025 <br> Counter-Documentation received is insufficient. Original finding remains. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Payoff from XXXX uploaded - Buyer-07/10/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Mortgage for the Subject Property from XXXX with 0x30; other conditions may follow. - Due Diligence Vendor-07/08/2025 |  | Resolved-After further review, the lenders guidelines state the VOM is required at the lender's discretion. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 32.81 in reserves; 12 months required.  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4734505 |
| XXXX | XXXX | 9217002 D A | Closed | FCRE0109 | 2025-07-08 13:38 | 2025-07-11 14:28 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received photo ID. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-07/10/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing Patriot Act Borrower Identification Form. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received photo ID. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 32.81 in reserves; 12 months required.  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4734878 |
| XXXX | XXXX | 9217002 D A | Closed | FCRE0120 | 2025-07-08 13:38 | 2025-07-11 14:28 | Resolved | 1 - Information C A | Credit | Eligibility | PPP rider was not provided | Resolved-Received confirmation prepayment verbiage within Note-rider not required. - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. Page 2 of the note, section 5 will show the PPP details. - Buyer-07/10/2025 <br>Open-PPP rider was not provided. Missing PPP rider. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received confirmation prepayment verbiage within Note-rider not required. - Due Diligence Vendor-07/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 739; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 32.81 in reserves; 12 months required.  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4734879 |
| XXXX | XXXX | 9201262 C B A | Closed | FCRE1510 | 2025-07-03 13:08 | 2025-07-10 10:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal description - Buyer-07/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal description 'Exhibit A' - Due Diligence Vendor-07/03/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/10/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 35%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 24%; max 75%. |  | 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 | 4654046 |
| XXXX | XXXX | 9201262 C B A | Closed | FCOM5135 | 2025-07-03 13:25 | 2025-07-03 13:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/03/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 35%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 24%; max 75%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 4654616 |
| XXXX | XXXX | 9217006 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 9227589 D A | Closed | FPRO1255 | 2025-07-07 15:58 | 2025-07-18 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire Document - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire provided, please clear finding. - Seller-07/11/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The condominium questionnaire was not identified in the file. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. HOA questionnaire provided, please clear finding. - Seller-07/11/2025<br>| Resolved-Received HOA Questionnaire Document - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 0 months required, subject 4.61 months verified. <br>LTV is less than guideline maximum - 70% allowed, subject 61.84% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4700785 |
| XXXX | XXXX | 9227623 C A | Closed | FCRE1440 | 2025-07-08 11:01 | 2025-07-17 17:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received silent Note on primary-extension and payments begin XXXX - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. The private party note was signed XXXX had a baloon note, First Payment/Balloon was due XXXX(final HUD is also included and shows that no prior mortgage was paid off, was free and clear prior to signing note) there was a modification to the note that extended the 1st payment due XXXX with a final balloon payment due XXXX. this loan was closed XXXX so we did not need pfoof of any of these payments. Please clear. - Seller-07/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide the required housing history for REO 3B (B1 primary residence) 1003 reflects B1 primary home has a mortgage with a private party. Per guidelines 12 months cancelled checks front and back. If paid by cashiers or postal checks, copies of the past 12 months are required. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. The private party note was signed XXXX had a baloon note, First Payment/Balloon was due XXXX(final HUD is also included and shows that no prior mortgage was paid off, was free and clear prior to signing note) there was a modification to the note that extended the 1st payment due XXXX with a final balloon payment due XXXX. this loan was closed XXXX so we did not need pfoof of any of these payments. Please clear. - Seller-07/16/2025 | Resolved-Received silent Note on primary-extension and payments begin XXXX - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 104 months.<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4723785 |
| XXXX | XXXX | 9227578 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9182077 C A | Closed | FCRE1510 | 2025-07-09 18:24 | 2025-07-14 13:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Recorded DOT - Buyer-07/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025<br>| LTV is less than guideline maximum - LTV: 70% Max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 770 Min 700<br>Months Reserves exceed minimum required - Reserves: 12.99 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4757804 |
| XXXX | XXXX | 9190391 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9190397 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9190362 C A | Closed | FCRE1510 | 2025-07-08 12:16 | 2025-07-14 13:30 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Recorded DOT - Buyer-07/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-07/10/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025<br>| DSCR % greater than 1.20 - DSCR = 1.588<br>LTV is less than guideline maximum - LTV: 70% Max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 770 Min 700<br>Months Reserves exceed minimum required - Reserves: 48 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4731673 |
| XXXX | XXXX | 9190376 C A | Closed | FCRE1510 | 2025-07-08 12:45 | 2025-07-14 13:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Recorded DOT - Buyer-07/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 770 Min 700<br>DSCR % greater than 1.20 - DSCR = 1.455<br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 35 months.<br>LTV is less than guideline maximum - LTV: 70% Max 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4733799 |
| XXXX | XXXX | 9227662 C B A | Closed | FCRE1194 | 2025-07-10 08:58 | 2025-07-10 15:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 80% LTV Non-material waiver applied with comp factors. Deemed non-material due to being only 5% over max limit.<br> - Due Diligence Vendor-07/10/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max for non-perm resident - Due Diligence Vendor-07/10/2025 |  | Waived-Originator exception granted to allow 80% LTV Non-material waiver applied with comp factors. Deemed non-material due to being only 5% over max limit.<br> - Due Diligence Vendor-07/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 728 is higher than the required 700<br>Qualifying DTI below maximum allowed - DTI 30.84% is lower than allowable 50% | # of months reserves 6<br> DTI 18.63/24.78<br> fico 728<br> # of tradelines 22<br> years of months payments 5<br> years on the job 5<br> years at present address 3<br> # of months 0x30 payments 36<br> benefit to borrower need 20% down or lose of loan |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4763161 |
| XXXX | XXXX | 9227643 D B A | Closed | FCRE5116 | 2025-07-10 16:08 | 2025-07-23 18:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Housing history provided for the primary and subject. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Final signed 1003 from borrower indicates her primary residence is XXXX. Attached mortgage statement shows that the mortgage for this property is with XXXX, account number XXXX with payment of XXXX. The credit report in file shows this account with matching mortgage payment amount of XXXX as paid as agreed for greater than 99 months. This is sufficient for verification of mortgage. Please clear finding. - Seller-07/23/2025 <br> Counter-Received duplicate documentation-original finding remains. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Please find the LOE and the statements which show unit numbers. 101 is listed on stmts XXXX as well as XXXX. - Seller-07/16/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A complete verification of mortgage for the borrower's primary residence and the subject property was not identified in the file. The borrower lists the subject property address as their primary address without a unit number. The borrower owns 3 units at this address. There are 2 mortgages on the credit report nr/sms/cal paid up through XXXX and XXXX paid up through XXXX. Additionally there are 3 sets of mortgage statements covering the most recent 2 or 3 months. These statements do not match up to the 2 mortgage tradelines. None of the mortgage statements had a unit number matching the subject property. A complete mortgage history is required for the subject, the borrower's primary residence and any mortgages appearing on the credit report. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Final signed 1003 from borrower indicates her primary residence is XXXX. Attached mortgage statement shows that the mortgage for this property is with XXXX, account number XXXX with payment of XXXX. The credit report in file shows this account with matching mortgage payment amount of XXXX as paid as agreed for greater than 99 months. This is sufficient for verification of mortgage. Please clear finding. - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. Please find the LOE and the statements which show unit numbers. XXXX is listed on stmts XXXX as well as XXXX. - Seller-07/16/2025 | Resolved-Housing history provided for the primary and subject. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 707<br>Months Reserves exceed minimum required - 0 months required, subject 84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4772490 |
| XXXX | XXXX | 9227643 D B A | Closed | FPRO1255 | 2025-07-10 15:19 | 2025-07-18 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. hoa cert for review. - Seller-07/16/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. No HOA information provided. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. hoa cert for review. - Seller-07/16/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 707<br>Months Reserves exceed minimum required - 0 months required, subject 84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4771533 |
| XXXX | XXXX | 9227643 D B A | Closed | FVAL5474 | 2025-07-10 16:33 | 2025-07-11 08:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-The borrower owns 3 of 8 condos in the project. Additionally the investor concentration is XXXX which according to the applicable guidelines makes the condominium project non-warrantable and ineligible. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not atr affecting and strong compensating factors. - Due Diligence Vendor-07/11/2025 |  | Waived-The borrower owns 3 of 8 condos in the project. Additionally the investor concentration is XXXX which according to the applicable guidelines makes the condominium project non-warrantable and ineligible. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to not atr affecting and strong compensating factors. - Due Diligence Vendor-07/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 707<br>Months Reserves exceed minimum required - 0 months required, subject 84 | # of Months Reserves 60<br> LTV 54%<br> Score 707 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4772970 |
| XXXX | XXXX | 9227610 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9227668 D A | Closed | FCRE1328 | 2025-07-11 13:53 | 2025-07-25 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Written VOE from XXXX for current employer XXXX includes total wages paid in XXXX. This is sufficient and negates the need for a W2/1099. Please clear finding. - Seller-07/23/2025 <br> Open-Borrower 1 W2/1099 Missing The W-2 for the borrower's new/current employment for XXXX was not identified in the file. - Due Diligence Vendor-07/11/2025 | Ready for Review-Written VOE from Equifax for current employer XXXX includes total wages paid in XXXX. This is sufficient and negates the need for a W2/1099. Please clear finding. - Seller-07/23/2025 | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 801 verified. <br>Months Reserves exceed minimum required - No reserves required, subject 92 months verified. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4789601 |
| XXXX | XXXX | 9227668 D A | Closed | FCRE1334 | 2025-07-11 13:53 | 2025-07-25 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Executed 4506C provided, please clear finding. - Seller-07/16/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing The executed 4506-T/4506-C was not identified in the file. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Executed 4506C provided, please clear finding. - Seller-07/16/2025<br>| Resolved-Received 4506C - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 801 verified. <br>Months Reserves exceed minimum required - No reserves required, subject 92 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4789600 |
| XXXX | XXXX | 9227668 D A | Closed | FCRE1511 | 2025-07-11 12:47 | 2025-07-25 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement is Incomplete | Resolved-Guaranty received signed by both Members - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Executed Personal Guaranty provided, please clear finding. - Seller-07/24/2025 <br>Open-Per the applicable guidelines any member of the LLC with 25% or more ownership has to sign the guaranty. There were 2 members of the LLC each owning 50%. The guaranty was signed twice by the borrowing guarantor and was not signed by the non-borrowing guarantor. page 317. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Executed Personal Guaranty provided, please clear finding. - Seller-07/24/2025<br>| Resolved-Guaranty received signed by both Members - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 801 verified. <br>Months Reserves exceed minimum required - No reserves required, subject 92 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4788204 |
| XXXX | XXXX | 9227668 D A | Closed | FCRE7497 | 2025-07-11 14:25 | 2025-07-17 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation for primary residence. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Per credit supplement taxes and insurance are included in payment. No HOA for this property. Please clear finding. - Seller-07/16/2025 <br> Open-The payment for the borrower's primary residence is XXXX. No verification of whether the tax/insurance or HOA if applicable was identified in the file. Also it is unknown if that payment includes the taxes and insurance. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Per credit supplement taxes and insurance are included in payment. No HOA for this property. Please clear finding. - Seller-07/16/2025<br>| Resolved-Received PITIA validation for primary residence. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 801 verified. <br>Months Reserves exceed minimum required - No reserves required, subject 92 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4790241 |
| XXXX | XXXX | 9201267 D A | Closed | FCRE7347 | 2025-07-13 14:18 | 2025-07-21 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received leases. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. LEASE B - Buyer-07/18/2025 <br>Counter-Received lease for Unit A-missing Unit B. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. LEASE - Buyer-07/16/2025 <br>Open-Missing Lease Agreement. Leases are required to be no less than twelve (12) months but may convert to month-to-month upon expiration.<br> - Due Diligence Vendor-07/13/2025 |  | Resolved-Received leases. - Due Diligence Vendor-07/21/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20. Score is 1.308<br>LTV is less than guideline maximum - LTV is 44.25% and max allowed is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4798721 |
| XXXX | XXXX | 9201267 D A | Closed | FCRE1510 | 2025-07-13 13:31 | 2025-07-17 13:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. DOT - Buyer-07/16/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-07/13/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/17/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20. Score is 1.308<br>LTV is less than guideline maximum - LTV is 44.25% and max allowed is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4798629 |
| XXXX | XXXX | 9227645 C B A | Closed | FCRE0045 | 2025-07-14 17:21 | 2025-08-01 15:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Waived-Originator waiver applied to non material finding with compensating factors. Credit exception for the ACH provided. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Credit exception for the ACH provided, please clear finding. - Seller-08/01/2025 <br>Open-Foreign National but the ACH form is Missing from file. ACH form signed at closing does not contain the required bank account information. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Credit exception for the ACH provided, please clear finding. - Seller-08/01/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Credit exception for the ACH provided. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 130 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 793 is higher than the required 700 | 793 fico <br> 37 months of reserves<br> 8 years at current address<br> good credit history<br> nice stability<br> solid mortgage payment history. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4812372 |
| XXXX | XXXX | 9201264 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9196998 D A | Closed | FCRE1492 | 2025-07-15 14:25 | 2025-08-18 12:35 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received property detailed report. > 6 months seasoning requirement has been met. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. This is not a delayed financing transaction. Borrower already had 50% ownership of the property before the Quit Claim Deed in file. Please see property report. - Seller-08/15/2025 <br>Counter-Quitclaim Deed provided. Original findings remain. - Due Diligence Vendor-07/29/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Delayed financing guidelines have not been met. Lender to provide verification of the HUD/CD form the purchase along with the assets used to purchase the property. Additional conditions may apply. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. This is not a delayed financing transaction. Borrower already had 50% ownership of the property before the Quit Claim Deed in file. Please see property report. - Seller-08/15/2025<br>| Resolved-Received property detailed report. > 6 months seasoning requirement has been met. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 124.24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, Qualifying score is 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4825238 |
| XXXX | XXXX | 9196998 D A | Closed | FPRO1242 | 2025-07-15 14:16 | 2025-07-25 12:49 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received correct CU and LCA. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/23/2025 <br> Open-Appraisal is Missing CU and SSR reflect an appraised value of XXXX with appraisal dated XXXX / Per appraisal and Desk Review reflect the value of XXXX - Due Diligence Vendor-07/15/2025 |  | Resolved-Received correct CU and LCA. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 124.24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, Qualifying score is 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4825084 |
| XXXX | XXXX | 9196998 D A | Closed | FCRE0125 | 2025-07-15 11:39 | 2025-07-24 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Received First Payment Letter. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. First Payment Letter - Buyer-07/23/2025 <br>Open-Missing First payment letter. - Due Diligence Vendor-07/15/2025 |  | Resolved-Received First Payment Letter. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 124.24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, Qualifying score is 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4821840 |
| XXXX | XXXX | 9196998 D A | Closed | FCRE0134 | 2025-07-15 11:39 | 2025-07-24 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Issue with First Payment Letter | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-10/01/2025 <br>Open-There is an issue with First Payment Letter. - Due Diligence Vendor-07/15/2025 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-10/01/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 124.24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, Qualifying score is 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4821841 |
| XXXX | XXXX | 9196998 D A | Closed | FCRE1325 | 2025-07-15 14:21 | 2025-07-24 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received business entity documentation. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. The attached docs reflect when business formed and that it is still active and borrower is the owner - Buyer-07/23/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter or evidence of the business has been open for 2 years and the borrower is the owner. - Due Diligence Vendor-07/15/2025 |  | Resolved-Received business entity documentation. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 124.24 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, Qualifying score is 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4825168 |
| XXXX | XXXX | 9201248 D A | Closed | FCRE1510 | 2025-07-12 13:41 | 2025-07-23 12:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal Description. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing - Due Diligence Vendor-07/12/2025 |  | Resolved-Received Mortgage w/Legal Description. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - The Borrower has 33.54 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 771; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4796931 |
| XXXX | XXXX | 9201248 D A | Closed | FCRE1440 | 2025-07-15 11:05 | 2025-07-22 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/18/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing Verification of Rents Private Landlord.<br>If was/is renting from a private party, obtain either a fully executed VOR OR the most recent lease for the property address in question. In either case, verification of timely payments made is required (either canceled checks front and back OR bank statements showing account ownership and payments debited by landlord). - Due Diligence Vendor-07/15/2025 |  | Resolved-Received VOR. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - The Borrower has 33.54 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 771; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4819705 |
| XXXX | XXXX | 9201248 D A | Closed | FCRE1241 | 2025-07-15 10:57 | 2025-07-22 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified purchase contract. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/18/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Unable to determined if contract was fully executed with all pages. Page 204. - Due Diligence Vendor-07/15/2025 |  | Resolved-Received ratified purchase contract. - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - The Borrower has 33.54 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 771; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4819556 |
| XXXX | XXXX | 9227626 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9227603 C A | Closed | FCRE1440 | 2025-07-15 10:11 | 2025-07-29 12:25 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support no prior mortgages. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. please find the datatree showing no mortgage prior to XXXX. please clear finding - Seller-07/28/2025 <br> Counter-Received duplicate documentation-must provide 12 months housing history for primary residence-loan opened XXXX-provide confirmation of no liens prior required for 12 month housing history. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. please find the vom for property on XXXX. - Seller-07/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 month housing history for the 3B REO primary residence. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. please find the datatree showing no mortgage prior to XXXX. please clear finding - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. please find the vom for property on XXXX. - Seller-07/23/2025 | Resolved-Received documentation to support no prior mortgages. - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 92.91 months reserves exceed required 3 by 89.91 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 718 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4818594 |
| XXXX | XXXX | 9212967 D A | Closed | FCOM1351 | 2025-07-16 11:10 | 2025-07-29 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. See signed PG - Buyer-07/25/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing personal guaranty - Due Diligence Vendor-07/16/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 793 FICO, 660 required<br>LTV is less than guideline maximum - 32.47% LTV, program allows to 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4834854 |
| XXXX | XXXX | 9212967 D A | Closed | FCRE7890 | 2025-07-16 10:49 | 2025-07-18 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Required Income Documentation for Bank Statement Program | Resolved-Received Bank Statement for XXXX. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. See attached XXXX statement - Buyer-07/17/2025 <br> Open-Missing bank statement XXXX for account \*XXXX supporting eligible deposits as per worksheet on page 113. Audit used lender figures; deposits to be verified once statement is received. Additional conditions may apply. - Due Diligence Vendor-07/17/2025 |  | Resolved-Received Bank Statement for XXXX. - Due Diligence Vendor-07/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - 793 FICO, 660 required<br>LTV is less than guideline maximum - 32.47% LTV, program allows to 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4834500 |
| XXXX | XXXX | 9217005 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9190358 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9226544 D A | Closed | FCRE8257 | 2025-07-17 11:48 | 2025-08-05 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Upon further review, the PPP is referenced in the body of the DOT. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Investor response - Buyer-08/04/2025 <br>Open-Prepayment addendum not provided - Due Diligence Vendor-07/17/2025 |  | Resolved-Upon further review, the PPP is referenced in the body of the DOT. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 774; minimum required 700.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4852907 |
| XXXX | XXXX | 9227586 C A | Closed | FCRE1510 | 2025-07-16 13:26 | 2025-07-23 16:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. DOT with legal provided, please clear finding. - Seller-07/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal to the mortgage - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. DOT with legal provided, please clear finding. - Seller-07/22/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/23/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 80%<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4838811 |
| XXXX | XXXX | 9227599 C A | Closed | FCRE1510 | 2025-07-15 11:37 | 2025-07-24 16:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal provided, please clear finding. - Seller-07/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Mortgage with legal provided, please clear finding. - Seller-07/22/2025<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4821789 |
| XXXX | XXXX | 9227587 D A | Closed | FCRE1152 | 2025-07-17 09:05 | 2025-08-05 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender's tax calculation provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Tax information provided, please clear finding. - Seller-08/01/2025 <br>Open-Missing Evidence of Property Tax Missing lender worksheet to determine subject property taxes. Tax bill provided does not support lenders figures. Additional conditions may apply. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Tax information provided, please clear finding. - Seller-08/01/2025<br>| Resolved-Lender's tax calculation provided. - Due Diligence Vendor-08/05/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 640 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4849659 |
| XXXX | XXXX | 9227587 D A | Closed | FCRE0099 | 2025-07-17 09:09 | 2025-08-05 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Revised appraisal provided with updated condo figures. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Amended appraisal provided, please clear finding. - Seller-08/04/2025 <br>Open-The HOA questionnaire varies from the Appraisal on the total units and the rented units. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Amended appraisal provided, please clear finding. - Seller-08/04/2025<br>| Resolved-Revised appraisal provided with updated condo figures. - Due Diligence Vendor-08/05/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 640 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4849700 |
| XXXX | XXXX | 9190398 C B A | Closed | FCOM5135 | 2025-07-16 09:44 | 2025-10-01 08:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 9.43 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 773 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 4833306 |
| XXXX | XXXX | 9190398 C B A | Closed | FCRE1204 | 2025-07-18 10:21 | 2025-07-24 13:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received originator resolution to alerts on fraud report. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Hello,<br>The income write up has been updated to specifically address the XXXX alerts. Please see the "OTHER" section on the write up.<br>Thank you - Seller-07/22/2025 <br> Counter-Documentation is insufficient-fraud report reflects several HIGH open alerts-please provide confirmation those were cleared and/or addressed. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. There are two medium severity alerts that are not affiliated with the aforementioned high severity alerts. Those alerts are that (1) the borrower may be associated with a business and (2) that the reverse phone number lookup did not match the borrower's current phone number. <br> • XXXX is listed as a business associated with the borrower. This is also reflected on the credit report as a previous employer, last active in XXXX. Although additional clarification should not be necessary since it's an aged prior employment, a printout of the business's history from the secretary of state's website is attached. This business was dissolved in XXXX. <br> • A reverse phone number lookup is attached and confirms that the phone number belongs to the borrower. - Seller-07/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud Report has Open High Alerts - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Hello,<br>The income write up has been updated to specifically address the XXXX alerts. Please see the "OTHER" section on the write up.<br>Thank you - Seller-07/22/2025 <br> Ready for Review-Document Uploaded. There are two medium severity alerts that are not affiliated with the aforementioned high severity alerts. Those alerts are that (1) the borrower may be associated with a business and (2) that the reverse phone number lookup did not match the borrower's current phone number. <br> • XXXX is listed as a business associated with the borrower. This is also reflected on the credit report as a previous employer, last active in 1999. Although additional clarification should not be necessary since it's an aged prior employment, a printout of the business's history from the secretary of state's website is attached. This business was dissolved in XXXX. <br> • A reverse phone number lookup is attached and confirms that the phone number belongs to the borrower. - Seller-07/18/2025 | Resolved-Received originator resolution to alerts on fraud report. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 9.43 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 773 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4866543 |
| XXXX | XXXX | 9190398 C B A | Closed | FCRE0044 | 2025-07-17 21:55 | 2025-07-21 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received Credit Inquiry LOE. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. This was included with the loan file uploaded on XXXX<br> - Buyer-07/18/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received Credit Inquiry LOE. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 9.43 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 773 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4862064 |
| XXXX | XXXX | 9190398 C B A | Closed | FCRE0109 | 2025-07-17 21:55 | 2025-07-21 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Upon further review, the loan file contained all required photo id documentation. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. The Patriot Act disclosure is provided to the borrower in the initial disclosures package and then the closing package will include the identity affidavit that is signed by the borrower and notarized. - Seller-07/18/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. The Patriot Act disclosure is provided to the borrower in the initial disclosures package and then the closing package will include the identity affidavit that is signed by the borrower and notarized. - Seller-07/18/2025<br>| Resolved-Upon further review, the loan file contained all required photo id documentation. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 9.43 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 773 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4862065 |
| XXXX | XXXX | 9216990 C A | Closed | FCRE0970 | 2025-07-18 17:48 | 2025-07-30 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Document Uploaded. The lender confirmed they reviewed the updated AVM and rebuttal and accept to clear. - Due Diligence Vendor-07/30/2025 <br> Counter-AVM provided, however the Appraiser on the original appraisal is on eResi Exclusionary List. Original finding remains. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/28/2025 <br> Open- Investor to review and Approve Appraiser XXXX is on XXXX Exclusionary List - Due Diligence Vendor-07/18/2025 |  | Resolved-Document Uploaded. The lender confirmed they reviewed the updated AVM and rebuttal and accept to clear. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 767 Min 700<br>Months Reserves exceed minimum required - Reserves: 143 Min 3 (of which 69 months own funds |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4876111 |
| XXXX | XXXX | 9216991 D A | Closed | FCRE0113 | 2025-07-19 21:45 | 2025-07-30 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Document Uploaded. Lender confirmed they are approving this appraisal. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. AVM & notes from internal appraser:<br> You are good. I have a model match active at XXXX and a sold on XXXX for XXXX. AVM came in at XXXX with 4 solds all at or near the appraised value in the last 6 months - Buyer-07/30/2025 <br> Open-Investor to review and Approve Appraiser. - Due Diligence Vendor-07/20/2025 |  | Resolved-Document Uploaded. Lender confirmed they are approving this appraisal. - Due Diligence Vendor-07/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 784 Min 700<br>Months Reserves exceed minimum required - Reserves: 78 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4879782 |
| XXXX | XXXX | 9216991 D A | Closed | FCRE1510 | 2025-07-16 14:02 | 2025-07-25 16:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided email - , please accept the legal description provided as the recorded description - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty agreement and the 1-4 family rider - Buyer-07/25/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1. Legal Description referenced as attached to Security Instrument is not included within the document or riders. <br> 2. Missing 1-4 Rider, image in loan file is cut off and overlapped by legal description. - Due Diligence Vendor-07/16/2025 |  | Resolved-Client provided email - , please accept the legal description provided as the recorded description - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 784 Min 700<br>Months Reserves exceed minimum required - Reserves: 78 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4839628 |
| XXXX | XXXX | 9216991 D A | Closed | FCOM1351 | 2025-07-18 17:54 | 2025-07-25 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty agreement and the 1-4 family rider - Buyer-07/23/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Business Purpose Guaranty, image in loan file is cut off and overlapped by NYS Tax doc. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 784 Min 700<br>Months Reserves exceed minimum required - Reserves: 78 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4876177 |
| XXXX | XXXX | 9216994 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9173494 C B A | Closed | FCRE1440 | 2025-07-21 10:14 | 2025-07-22 12:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors- - Due Diligence Vendor-07/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender Exception Approval in file for less than 12 months housing history for B2 as she has been living rent free with her spouse for the past 9 years. Mortgage for Primary is in Borrowing Spouse's name only. However, Missing Exception Request Form in file. - Due Diligence Vendor-07/21/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- - Due Diligence Vendor-07/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 90.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 777. | 93 months reserves<br> 777 FICO is 117 points above min 660<br> 13.57% DTI is 31.43% below max 45%<br> 35.7% LTV is 34.30% below max 70%<br> Satisfactory 103 mo mortgage payment history on primary residence<br> Borrower has been self employed over 8 years in same business<br> $29,454.96 mo residual income |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4885413 |
| XXXX | XXXX | 9190374 D B A | Closed | FCRE1248 | 2025-07-22 11:28 | 2025-08-07 11:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Originator provided a waiver for Non-Arms Length transaction, applied to non material finding with comp factors - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Approvals from XXXX and XXXX - NAL permitted - Seller-08/06/2025 <br> Counter-Exception request for Gift Funds from the Grandmother. Please provide the request for ineligible Transaction Types and Client approval. Loan was submitted with FCM Solutions guidelines. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Exception Request Form Approved - Buyer-08/05/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Per guidelines pg 17 of 415, ineligible transactions include Non Arms Length Transactions. Borrower is purchasing home from grandmother. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Approvals from XXXX and XXXX - NAL permitted - Seller-08/06/2025 | Waived-Originator provided a waiver for Non-Arms Length transaction, applied to non material finding with comp factors - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. | FICO score above program minimum by 20 points or higher<br> DTI below program max by 5% or greater<br> Housing history 0x30 for 24 months. | 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 | 4904003 |
| XXXX | XXXX | 9190374 D B A | Closed | FCRE1316 | 2025-07-22 11:54 | 2025-07-28 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Sec of State search was in file - Pg 83 dated XXXX - showing Active - Due Diligence Vendor-07/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE is missing. - Due Diligence Vendor-07/22/2025 |  | Resolved-Sec of State search was in file - Pg 83 dated 7/7/25 - showing Active - Due Diligence Vendor-07/28/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. |  |  | 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 | 4904631 |
| XXXX | XXXX | 9190374 D B A | Closed | FCRE5782 | 2025-07-22 12:11 | 2025-07-24 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/22/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. |  | 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 | 4905016 |
| XXXX | XXXX | 9190374 D B A | Closed | FCOM5135 | 2025-07-18 11:32 | 2025-07-18 11:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material finding. - Due Diligence Vendor-07/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material finding. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 4869201 |
| XXXX | XXXX | 9201272 D A | Closed | FCRE1203 | 2025-07-20 07:36 | 2025-08-05 16:12 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-After further review, only subject, primary and any mortgages reporting to credit are required to have the respective REOs listed. - Due Diligence Vendor-08/05/2025 <br> Open-Potential Fraud Reflected on Fraud Report Per Fraud there are undisclosed properties reported on fraud report borrower is refinancing- XXXX see pg 86. - Due Diligence Vendor-07/20/2025 |  | Resolved-After further review, only subject, primary and any mortgages reporting to credit are required to have the respective REOs listed. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 714; minimum score 700.<br>Months Reserves exceed minimum required - 27.2 months PITIA reserves; 3 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4880181 |
| XXXX | XXXX | 9201272 D A | Closed | FCRE8887 | 2025-07-20 07:34 | 2025-08-05 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-After further review, only subject, primary and any mortgages reporting to credit are required to have the respective REOs listed. - Due Diligence Vendor-08/05/2025 <br> Open-Per Fraud there are undisclosed properties reported on fraud report borrower is refinancing- XXXX see pg 86. - Due Diligence Vendor-07/20/2025 |  | Resolved-After further review, only subject, primary and any mortgages reporting to credit are required to have the respective REOs listed. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 714; minimum score 700.<br>Months Reserves exceed minimum required - 27.2 months PITIA reserves; 3 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4880174 |
| XXXX | XXXX | 9201272 D A | Closed | FCRE0043 | 2025-07-20 07:40 | 2025-07-28 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-07/28/2025 <br>Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-07/20/2025 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 714; minimum score 700.<br>Months Reserves exceed minimum required - 27.2 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4880185 |
| XXXX | XXXX | 9201272 D A | Closed | FCRE3978 | 2025-07-20 07:40 | 2025-07-28 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Upon further review, the loan file contained all required cash out proceeds documentation. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. Business Purpose affidavit. Cash Out Letter not required. - Buyer-07/28/2025 <br>Open-Missing Letter of explanation for cash out refinance. - Due Diligence Vendor-07/20/2025 |  | Resolved-Upon further review, the loan file contained all required cash out proceeds documentation. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 714; minimum score 700.<br>Months Reserves exceed minimum required - 27.2 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4880187 |
| XXXX | XXXX | 9201279 D A | Closed | FCRE7497 | 2025-07-24 14:48 | 2025-08-13 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HELOC statements provided confirming the loan is current. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. mtg info - Seller-08/13/2025 <br> Counter-Received duplicate documentation-finding remains-B1's primary mortgage, account XXXX is paid current through close.-dla on credit reflects XXXX. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. mortgage info<br> - Seller-08/05/2025 <br> Counter-Documentation received is insufficient-finding remains-B1's primary mortgage, account XXXX is paid current through close.-dla on credit reflects XXXX. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. He has owned property since XXXX. he just opened acct<br> - Seller-07/30/2025 <br> Counter-Documentation to support B2 primary is free and clear provided. Please provided documentation to support B1's primary mortgage, account XXXX is paid current through close. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. free and clear prop - Seller-07/29/2025 <br> Open-Missing documentation that confirms each respective borrower's primary housing expense is paid current at time of closing, i.e. Mortgage statements or credit supplement; if free/clear, tax bills, HOI paid statement, etc. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. mtg info - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. mortgage info<br> - Seller-08/05/2025 <br> Ready for Review-Document Uploaded. He has owned property since XXXX. he just opened acct<br> - Seller-07/30/2025 <br> Ready for Review-Document Uploaded. free and clear prop - Seller-07/29/2025 | Resolved-HELOC statements provided confirming the loan is current. - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - Reserves: 89 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 768 Min 700<br>LTV is less than guideline maximum - LTV: 44.28% Max 65% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4938013 |
| XXXX | XXXX | 9201279 D A | Closed | FCRE8257 | 2025-07-24 13:40 | 2025-08-06 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Received prepayment addendum to Note. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. pp addendum to note<br> - Buyer-08/05/2025 <br>Counter-Received prepay rider to security instrument-missing prepay addendum to Note. Finding remains. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. PPP Rider Uploaded - Buyer-07/30/2025 <br>Open-Missing Prepayment Addendum to Note as referenced in the Note and Closing Disclosure. - Due Diligence Vendor-07/24/2025 |  | Resolved-Received prepayment addendum to Note. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Reserves: 89 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 768 Min 700<br>LTV is less than guideline maximum - LTV: 44.28% Max 65% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4936589 |
| XXXX | XXXX | 9201279 D A | Closed | FCOM1351 | 2025-07-24 14:17 | 2025-07-30 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. Guaranty agreement - Seller-07/29/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Business Purpose Guaranty as required by guidelines. Borrower signed Note as member of LLC not individually. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Guaranty agreement - Seller-07/29/2025<br>| Resolved-Received Guaranty Agreement - Due Diligence Vendor-07/30/2025<br>| Months Reserves exceed minimum required - Reserves: 89 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 768 Min 700<br>LTV is less than guideline maximum - LTV: 44.28% Max 65% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4937343 |
| XXXX | XXXX | 9236151 D A | Closed | FCRE2244 | 2025-07-23 10:00 | 2025-07-30 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Appraiser comments no health and safety issue. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. 1004 Appraiser comment: Missing tiles on kitchen countertop have no any safety and health issues. - Buyer-07/25/2025 <br>Open-Property Issues are identified for the property 442 does not address or provide pictures of repair of broken counter tiles (health and safety issue) - Due Diligence Vendor-07/23/2025 |  | Resolved-Appraiser comments no health and safety issue. - Due Diligence Vendor-07/30/2025<br>| Months Reserves exceed minimum required - 71 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4916963 |
| XXXX | XXXX | 9236151 D A | Closed | FCRE0043 | 2025-07-23 10:13 | 2025-07-24 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/23/2025 <br>Open-The DSCR Calculation from lender is Missing. The seller must supply their DSCR calculated ratio/score result, i.e., the ratio result is notated on the loan approval/1008, Seller's DSCR Calculation Worksheet or the eRESI DSCR Income Calculation Worksheet. - Due Diligence Vendor-07/23/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - 71 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 793 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4917247 |
| XXXX | XXXX | 9212954 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9216986 D A | Closed | FCRE1440 | 2025-07-25 10:58 | 2025-08-07 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received terms and Payment History. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Attached: <br> 1) Evidence of 1st 2 payments for XXXX each = biannual per note (1 from XXXX account ending XXXX and 1 from XXXX account ending XXXX) <br> 2) Bank statement and transaction history for 1st and 2nd pmts made <br> 3) Evidence of 3rd payment for XXXX = biannual per note (final required payment before loan payoff)<br> 4) Bank statements for 3rd pmt made<br> 5) HUD and Copy of Note for mortgage on subject. Please clear condition or be more specific as to what maybe needed as mortgage payment history has been provided based on mortgage note provided. - Seller-08/06/2025 <br> Counter-Received wire transfers-documentation is insufficient-finding remains. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Condition: Housing History Does Not Meet Guideline Requirements<br> Please see attached VOM1 and VOM2 - Buyer-07/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Current mortgage on subject with a private person (payoff in file pg. 326); however, no mortgage history provided. Missing subject mortgage history - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Attached: <br> 1) Evidence of 1st 2 payments for XXXX each = biannual per note (1 from XXXX account ending XXXX and 1 from XXXX account ending XXXX <br> 2) Bank statement and transaction history for 1st and 2nd pmts made <br> 3) Evidence of 3rd payment for XXXX = biannual per note (final required payment before loan payoff)<br> 4) Bank statements for 3rd pmt made<br> 5) HUD and Copy of Note for mortgage on subject. Please clear condition or be more specific as to what maybe needed as mortgage payment history has been provided based on mortgage note provided. - Seller-08/06/2025 | Resolved-Received terms and Payment History. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Min 6, actual 11.91<br>LTV is less than guideline maximum - Max 75%, actual 65%<br>Qualifying DTI below maximum allowed - Max 50%, actual 13.02%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4947022 |
| XXXX | XXXX | 9216986 D A | Closed | FCRE7497 | 2025-07-25 11:15 | 2025-08-04 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Coop maintenance fee and HOI. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Missing verification of taxes, insurance, and/or HOA fees for non-subject property: <br> Please see attached with property profile for property taxes - Buyer-07/31/2025 <br> Counter-Corrected: XXXX is missing re tax figure. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Condition: Missing verification of taxes, insurance, and/or HOA fees for non-subject property<br> Please see attached Mtg Stmt showing impounded Tax/HOI - Buyer-07/25/2025 <br> Open-Missing tax figure for 3E property. Detail report is incorrect - Due Diligence Vendor-07/25/2025 |  | Resolved-Received Coop maintenance fee and HOI. - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - Min 6, actual 11.91<br>LTV is less than guideline maximum - Max 75%, actual 65%<br>Qualifying DTI below maximum allowed - Max 50%, actual 13.02%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4947628 |
| XXXX | XXXX | 9216986 D A | Closed | FCRE0700 | 2025-07-23 15:56 | 2025-07-29 13:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received closing statement. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Condition: Closing Detail Statement Document is Missing<br> Loan is a business purpose please see Final Settlement Stmt - Seller-07/25/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. -----Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Condition: Closing Detail Statement Document is Missing<br> Loan is a business purpose please see Final Settlement Stmt - Seller-07/25/2025<br>| Resolved-Received closing statement. - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - Min 6, actual 11.91<br>LTV is less than guideline maximum - Max 75%, actual 65%<br>Qualifying DTI below maximum allowed - Max 50%, actual 13.02%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4924783 |
| XXXX | XXXX | 9212962 C B A | Closed | FCRE1510 | 2025-07-25 14:45 | 2025-08-22 11:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected county on security instrument and confirmation title sending for re recording. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. 1) Email confirmation from title corrected page 3 will be re-recorded<br> 2) Initialed corrected page 3 of the Mortgage - Buyer-08/21/2025 <br> Counter-Received revised Mortgage - page 3 shows XXXX County but it should be XXXX county. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. The legal desc is the legal that recorded with the Mortgage. - Buyer-07/29/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description missing from Mortgage - Due Diligence Vendor-07/25/2025 |  | Resolved-Received corrected county on security instrument and confirmation title sending for re recording. - Due Diligence Vendor-08/22/2025<br>| DSCR % greater than 1.20 - Actual 1.217 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4951943 |
| XXXX | XXXX | 9212962 C B A | Closed | FCRE6844 | 2025-07-28 10:15 | 2025-08-04 12:15 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received signed Gift Letter. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/01/2025 <br>Open-Gift letter is unsigned. Missing signed gift letter - Due Diligence Vendor-07/28/2025 |  | Resolved-Received signed Gift Letter. - Due Diligence Vendor-08/04/2025<br>| DSCR % greater than 1.20 - Actual 1.217 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4963072 |
| XXXX | XXXX | 9212962 C B A | Closed | FCRE2244 | 2025-07-25 15:06 | 2025-07-28 11:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as waiver provided - Due Diligence Vendor-07/28/2025 <br>Open-Property Issues are identified for the property Legal Non-conforming guideline waiver approval in loan file - Due Diligence Vendor-07/25/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as waiver provided - Due Diligence Vendor-07/28/2025<br>| DSCR % greater than 1.20 - Actual 1.217 | 709 FICO<br> 75% LTV<br> DSCR of 1.25 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 4952261 |
| XXXX | XXXX | 9173515 D A | Closed | FCRE8700 | 2025-07-28 07:37 | 2025-07-29 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Business Entity EIN value is acceptable. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/28/2025 |  | Resolved-Business Entity EIN value is acceptable. - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 35 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 771 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4961189 |
| XXXX | XXXX | 9173515 D A | Closed | FCRE1206 | 2025-07-26 11:00 | 2025-07-29 13:05 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Seller-07/28/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing exclusionary list searchhes - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Doc - Seller-07/28/2025<br>| Resolved-Received Fraud Report - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 35 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 771 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4957598 |
| XXXX | XXXX | 9173515 D A | Closed | FCRE1205 | 2025-07-26 11:00 | 2025-07-29 13:05 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/28/2025 <br>Open-OFAC Check Not Completed and/or Cleared Missing OFAC searches - Due Diligence Vendor-07/26/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 35 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 771 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4957599 |
| XXXX | XXXX | 9173515 D A | Closed | FCRE1201 | 2025-07-26 11:00 | 2025-07-29 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/28/2025 <br>Open-Missing Third Party Fraud Report Fraud report required - Due Diligence Vendor-07/26/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-07/29/2025<br>| Months Reserves exceed minimum required - 35 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 771 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4957600 |
| XXXX | XXXX | 9226547 D A | Closed | FCRE5782 | 2025-07-28 12:49 | 2025-08-01 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Maximum monitoring is through XXXX which is 120 from the start date\*\* - Buyer-07/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-07/28/2025 |  | Resolved-Received Gap Report - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - The Borrowers has 118.68 months in reserves; 3 months required by guidelines.<br>Credit history exceeds minimum required - The Borrowers has 0x30 for for than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4967138 |
| XXXX | XXXX | 9212946 C A | Closed | FCRE1510 | 2025-07-29 10:14 | 2025-08-11 11:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust Correction Instrument w/Legal. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/07/2025 <br>Counter-Please provide complete security instrument with legal description attached within. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-07/31/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing exhibit "A" - Legal description<br> - Due Diligence Vendor-07/29/2025 |  | Resolved-Received Deed of Trust Correction Instrument w/Legal. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - 15 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 756 FICO, 720 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4977919 |
| XXXX | XXXX | 9226538 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1495 | 2025-07-30 15:25 | 2025-10-23 15:55 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-Received income documentation. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Expense ratio letter attached was provided XXXX - Buyer-08/28/2025 <br> Counter-Received REO validation-missing CPA verification of expense factor of 28% considered. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-08/25/2025 <br> Counter-Pending DTI - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. LOX and Supporting Docs Uploaded - Seller-08/13/2025 <br> Counter-Remains due to DTI. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/01/2025 <br> Open-ATR: Current Employment Not Verified Missing VOE for B2 - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. LOX and Supporting Docs Uploaded - Seller-08/13/2025<br>| Resolved-Received income documentation. - Due Diligence Vendor-08/29/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4999112 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1437 | 2025-07-30 14:36 | 2025-08-29 11:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received income and REO documentation. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Expense ratio letter attached was provided XXXX - Seller-08/28/2025 <br> Counter-Received REO validation-missing CPA verification of expense factor of 28% considered. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-08/25/2025 <br> Counter-Received B1 business bank statement analysis-Missing documentation of the components of non subject REOs. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/21/2025 <br> Counter-Work sheet for b1 provided (Unable to determine the income variance). YTD for B2 provided. Pending receipt of non subject REO and confirmation of income. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. LOX and Supporting Docs Uploaded - Buyer-08/13/2025 <br> Open-Income and Employment Do Not Meet Guidelines Final 1003 income figures do not match the 1008. Review performed based upon final 1003 employment & income for B2. Unable to support 1003 B1 income based upon bank statements provided. Missing B1 income worksheet and expense factor for business if using other than a default 50% ratio. B2 missing documentation of YTD income for XXXX including paystubs and VOE. Missing documentation of the components of non subject REOs. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Expense ratio letter attached was provided XXXX - Seller-08/28/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Seller-08/25/2025 | Resolved-Received income and REO documentation. - Due Diligence Vendor-08/29/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998093 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1193 | 2025-07-30 15:33 | 2025-08-29 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Expense ratio letter attached was provided 8/11 - Buyer-08/28/2025 <br> Counter-Received REO validation-missing CPA verification of expense factor of 28% considered. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-08/25/2025 <br> Counter-Missing documentation of the components of non subject REOs. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/22/2025 <br> Counter-Reviewed income - B1 XXXX, B2 XXXX. Total income XXXX, XXXX REO loss and XXXX Consumer debt. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-LOX and Supporting Docs Uploaded - Seller-08/13/2025 <br> Open-Audited DTI of 71.44% exceeds Guideline DTI of 50% Unable to determine the income sources or amounts submitted. Max 50% DTI - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/22/2025 <br>Ready for Review-LOX and Supporting Docs Uploaded - Seller-08/13/2025<br>| Resolved-Audited DTI of 49.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/29/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4999275 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE0070 | 2025-07-30 15:33 | 2025-08-29 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting doc - 1008 - Seller-07/31/2025 <br>Open-Missing Approval/Underwriting Summary Missing approval/1008-The 1008 provided is for an incorrect loan amount and incomes do not match the final 1003 figures. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting doc - 1008 - Seller-07/31/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4999276 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE8887 | 2025-07-30 15:38 | 2025-08-13 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received confirmation 1003 correct and only 1 job considered in income. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-08/12/2025 <br>Open-Final 1003 employment does not appear to be complete in light of the exception in the file to allow 2 job incomes for both borrowers. Only a single employer is listed for each borrower. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-08/12/2025<br>| Resolved-Received confirmation 1003 correct and only 1 job considered in income. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4999420 |
| XXXX | XXXX | 9197004 D A C | Closed | finding-3634 | 2025-07-28 10:44 | 2025-08-13 09:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated XXXX for change in loan amount. Finding resolved. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is 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 $1599.89 (Points and Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/12/2025<br>| Resolved-Received COC dated 7/23/2025 for change in loan amount. Finding resolved. - Due Diligence Vendor-08/13/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4963779 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE7497 | 2025-07-30 14:39 | 2025-08-04 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received missing REO documentation. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting documents - Seller-07/31/2025 <br>Open-Missing verification of no HOA fees for any of the non-subject properties.<br> Missing verification of tax & insurance for all non-subject properties - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting documents - Seller-07/31/2025<br>| Resolved-Received missing REO documentation. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998165 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1148 | 2025-07-30 15:04 | 2025-08-04 10:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-07/31/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Commitment indicates coverage $100K below subject lien - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-07/31/2025<br>| Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-08/04/2025 | LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998718 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE7806 | 2025-07-30 14:36 | 2025-08-04 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Income calculation - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/01/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing bank statement income worksheet for B1 - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/01/2025<br>| Resolved-Received Income calculation - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998094 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1360 | 2025-07-30 14:36 | 2025-08-04 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Received WVOE - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/01/2025 <br>Open-Borrower 2 Paystubs Missing Missing YTD paystub - Due Diligence Vendor-07/30/2025 |  | Resolved-Received WVOE - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998092 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1364 | 2025-07-30 14:36 | 2025-08-04 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting doc - 4506C - Buyer-07/31/2025 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing. Wage earners must execute a 4506 - Due Diligence Vendor-07/30/2025 |  | Resolved-Received 4506-C - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998091 |
| XXXX | XXXX | 9197004 D A C | Closed | FCRE1347 | 2025-07-30 14:36 | 2025-08-04 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-07/31/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for University of Columbia within 10 days of close. - Due Diligence Vendor-07/30/2025 |  | Resolved-Received VOE. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - 68.38% LTV, program allows to 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4998090 |
| XXXX | XXXX | 9216996 D B A | Closed | FCRE1151 | 2025-07-29 20:36 | 2025-08-06 11:07 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Chain of title provided from XXXX. - Due Diligence Vendor-08/06/2025 <br> Counter-Chain of Title provided is < 2 years. Finding remains. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/04/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing required 24 Month Chain of Title - Due Diligence Vendor-07/30/2025 |  | Resolved-Chain of title provided from XXXX. - Due Diligence Vendor-08/06/2025 | Months Reserves exceed minimum required - Reserves: 23 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.362 Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4988702 |
| XXXX | XXXX | 9216996 D B A | Closed | FCRE1440 | 2025-07-29 20:56 | 2025-08-05 11:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow rent free w/parents. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/04/2025 <br>Counter-Rent free letter from parents provided, however guidelines state Borrowers living rent-free with any person other than a non-borrowing spouse are not eligible and may only be considered on an exception basis. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-07/31/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing documentation which supports borrower's primary housing status on loan application: "No primary housing expense". Other findings may apply - Due Diligence Vendor-07/30/2025 |  | Waived-Client exception granted to allow rent free w/parents. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/05/2025<br>| Months Reserves exceed minimum required - Reserves: 23 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.362 Min 1 | LLPA hit of .25 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4988763 |
| XXXX | XXXX | 9216996 D B A | Closed | FCRE0070 | 2025-07-29 21:07 | 2025-08-01 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-07/31/2025 <br>Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-07/31/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Reserves: 23 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.362 Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4988796 |
| XXXX | XXXX | 9216996 D B A | Closed | FCRE8701 | 2025-07-29 20:29 | 2025-08-01 12:09 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Documentation. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-07/31/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing corporate documents, including, but not limited to Articles of Incorporation, Operating Agreement, Formation, Department of Corporations Active/Good Standing, Borrowing Certification, EIN for the following business: XXXX. Other findings may apply upon review of missing documents. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-07/31/2025<br>| Resolved-Received Business Documentation. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Reserves: 23 Min 3<br>DSCR % greater than 1.20 - DSCR: 1.362 Min 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4988642 |
| XXXX | XXXX | 9251304 D B A | Closed | FCRE1193 | 2025-07-31 15:19 | 2025-08-04 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the FPL and HUD are for another property. The borrower has no ownership in his current primary per the property profile and rent free letter. - Due Diligence Vendor-08/04/2025 <br>Open-Audited DTI of 59.64% exceeds Guideline DTI of 50% . Qualified borrower w/full payment on current primary residence as Settlement Statement and First Payment Letter provided showing that the borrower owns and is not living rent free - Due Diligence Vendor-07/31/2025 |  | Resolved-After further review, the FPL and HUD are for another property. The borrower has no ownership in his current primary per the property profile and rent free letter. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - 19 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 786 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5012912 |
| XXXX | XXXX | 9251304 D B A | Closed | FCRE5116 | 2025-07-31 15:20 | 2025-08-04 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document Uploaded. Proof of the XXXX payment is on the XXXX statement and the verification of the June payment has been provided. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing evidence that timely payments made for XXXX and XXXX for subject property - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Document Uploaded. Proof of the May payment is on the XXXX statement and the verification of the June payment has been provided. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - 19 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 786 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5012927 |
| XXXX | XXXX | 9251304 D B A | Closed | FCRE8611 | 2025-07-30 17:09 | 2025-08-04 11:13 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-After further review, the Income calc was done using XXXX tax return. - Due Diligence Vendor-08/04/2025 <br> Open-Missing Rental Info for REO (Lease, rcpts, etc) for Property XXXX - Due Diligence Vendor-07/31/2025 |  | Resolved-After further review, the Income calc was done using XXXX tax return. - Due Diligence Vendor-08/04/2025 | Months Reserves exceed minimum required - 19 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 786 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5000884 |
| XXXX | XXXX | 9251304 D B A | Closed | FCRE9996 | 2025-07-31 15:28 | 2025-08-04 11:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-40 owners delinquent w/HOA dues - No more than 20% (35 units) of the total units in the project may be 60 days or more past due on the condominium/HOA fees <br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - 19 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 786 | DTI 45.2 vs max 50% - 4.8% lower than max<br> 17 mo reserves vs min 3 mo, 14 mo higher than min<br> 786 Fico vs min 680 - 106 pts higher than min<br> investor experience > 3 yrs owns 14 investment properties, 9 > 3 yrs | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5013083 |
| XXXX | XXXX | 9251304 D B A | Closed | FPRO9999 | 2025-07-30 17:09 | 2025-08-01 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, Attorney letter provided states insurance limits are sufficient to satisfy settlement or judgement that claimants may obtain. Not a safety, health or structural issue, subject unit is not involved. Minor in nature. Condition resolved - Due Diligence Vendor-08/01/2025 <br>Open-Documents indicated evidence of active pending litigation (Pg 1161) "Allegation claimants unit sustained water damage as result of issues with roof." No evidence to indicate the matter was resolved as of closing. - Due Diligence Vendor-07/30/2025 |  | Resolved-After further review, Attorney letter provided states insurance limits are sufficient to satisfy settlement or judgement that claimants may obtain. Not a safety, health or structural issue, subject unit is not involved. Minor in nature. Condition resolved - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - 19 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 786 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5000887 |
| XXXX | XXXX | 9236132 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9239950 D B A | Closed | FCOM1351 | 2025-08-03 15:56 | 2025-08-22 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/20/2025 <br>Counter-Rebuttal for inquiries provided, however we are missing the Guarantee Agreement. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/08/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty. The Borrower is the Sole Member. - Due Diligence Vendor-08/03/2025 |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 732; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 20.34 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5034936 |
| XXXX | XXXX | 9239950 D B A | Closed | FCRE0044 | 2025-08-03 17:15 | 2025-08-13 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/08/2025 <br>Open-LOX for credit inquiries is missing. Missing Credit Inquiry Letter. - Due Diligence Vendor-08/03/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/08/2025<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 732; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 20.34 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5035024 |
| XXXX | XXXX | 9239950 D B A | Closed | FCRE1510 | 2025-07-31 12:53 | 2025-08-13 13:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-08/07/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description (Exhibit A) is missing. - Due Diligence Vendor-07/31/2025 |  | Resolved-Legal description provided. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 732; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 20.34 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5009788 |
| XXXX | XXXX | 9239950 D B A | Closed | FCRE0969 | 2025-08-04 15:05 | 2025-08-11 11:38 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Subject is vested in an LLC. Grade B. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-This should be waived per investor guidance - Seller-08/07/2025 <br>Open-prepayment not allowed when the borrower is an LLC. - Due Diligence Vendor-08/04/2025 | Ready for Review-This should be waived per investor guidance - Seller-08/07/2025<br>| Waived-Subject is vested in an LLC. Grade B. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 732; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 20.34 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 5046822 |
| XXXX | XXXX | 9239950 D B A | Closed | FCRE1437 | 2025-08-04 15:19 | 2025-08-04 15:24 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow cash receipts for evidence on rental income, Non-materialwaiver applied with comp factors. non-material due to excellent payment history. - Due Diligence Vendor-08/04/2025 <br>Open-Income and Employment Do Not Meet Guidelines Rental income requires 2 months receipt. Exception for using cash receipt payments for income. - Due Diligence Vendor-08/04/2025 |  | Waived-Client exception granted to allow cash receipts for evidence on rental income, Non-materialwaiver applied with comp factors. non-material due to excellent payment history. - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 732; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 20.34 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 5047200 |
| XXXX | XXXX | 9239978 C A | Closed | FCRE1479 | 2025-08-01 20:01 | 2025-10-24 10:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Personal assets. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Borrower only needed XXXX for ccash to close borrower has XXXX statement is personal statement not business statement we do not need access letter - Buyer-08/06/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing corporate documents for bank account provided confirming borrower's access and use of funds. Other findings may apply. - Due Diligence Vendor-08/02/2025 |  | Resolved-Received Personal assets. - Due Diligence Vendor-10/24/2025<br>| Long term residence - Long term residence 5 years<br>Qualifying FICO score is at least 20 points above minimum for program - <br> FICO: 745 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5032070 |
| XXXX | XXXX | 9239978 C A | Closed | FCRE9501 | 2025-08-01 20:01 | 2025-08-18 16:03 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Personal Assets. - Due Diligence Vendor-08/18/2025 <br> Counter-Unable to confirm the relationship with the other account holders. Please provide the access letter. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Access letter is not needed for borrowers personal account - Buyer-08/11/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Provide satisfactory documentation evidencing sufficient funds to meet minimum closing cost requirements; source of funds reflected on final Closing Disclosure. - Due Diligence Vendor-08/02/2025 |  | Resolved-Received Personal Assets. - Due Diligence Vendor-08/18/2025<br>| Long term residence - Long term residence 5 years<br>Qualifying FICO score is at least 20 points above minimum for program - <br> FICO: 745 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5032072 |
| XXXX | XXXX | 9239978 C A | Closed | FCRE1510 | 2025-07-31 12:11 | 2025-08-18 16:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-08/18/2025 <br>Counter-Legal from Title provided. Please provide the Legal being sent for recording with the mortgage. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. page 30 right after the note is the legal<br> - Seller-08/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. page 30 right after the note is the legal<br> - Seller-08/06/2025<br>| Resolved-Received Legal Description. - Due Diligence Vendor-08/18/2025<br>| Long term residence - Long term residence 5 years<br>Qualifying FICO score is at least 20 points above minimum for program - <br> FICO: 745 Min 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5009155 |
| XXXX | XXXX | 9239978 C A | Closed | FCRE1198 | 2025-08-01 20:15 | 2025-08-18 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional Assets. Audited Reserves of 25.65 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/18/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide satisfactory documentation evidencing sufficient funds to meet minimum reserve requirements of no less than 3 months property expenses. - Due Diligence Vendor-08/02/2025 |  | Resolved-Received additional Assets. Audited Reserves of 25.65 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/18/2025<br>| Long term residence - Long term residence 5 years<br>Qualifying FICO score is at least 20 points above minimum for program - <br> FICO: 745 Min 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5032103 |
| XXXX | XXXX | 9217016 D A C | Closed | FCRE5790 | 2025-08-04 19:06 | 2025-08-15 09:45 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/11/2025 <br> Counter-Received closing disclosure. Documentation is insufficient. Please provide Gap Credit dated within 10 days of closing or post closing. (Gap report in file dated XXXX and exceeds 10 days) - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/06/2025 <br> Counter-CD with a closing date of XXXX provided, however Note date and Final Closing Disclosure Closing Date is XXXX. Finding remains. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/05/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Credit Refresh > 10 days from closign for B1 and B2 - Due Diligence Vendor-08/04/2025 |  | Resolved-Received UDM - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - The Borrower has reserves in the amount of 9.13; guideline minimum is 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline minimum is 680. |  | 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 | 5051335 |
| XXXX | XXXX | 9217016 D A C | Closed | FCOM4227 | 2025-07-31 16:08 | 2025-08-06 09:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received CD XXXX with COC. Finding resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/05/2025 <br> Open------Missing Revised CD XXXX. Please provide. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received CD XXXX with COC. Finding resolved. - Due Diligence Vendor-08/06/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 9.13; guideline minimum is 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline minimum is 680. |  | 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 | 5013919 |
| XXXX | XXXX | 9173504 D A | Closed | FCRE1437 | 2025-08-07 12:25 | 2025-09-05 09:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-VVOE for the borrower's previous employment provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Previous employment documentation - same line of work - Seller-09/04/2025 <br> Counter-Received underwriting narrative-missing validation of previous self employment- 1003 reflects XXXX-please validate. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. please see UW notes on income - Seller-08/27/2025 <br> Counter-Documentation provided does not confirm the prior self-employment dates. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Docs regarding employment - Seller-08/20/2025 <br> Counter-Received processors cert and current employment validation-missing verification of dates of previous employment and confirmation of self employment meeting guidelines 5.2.1. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/13/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing verification of full 2 years employment verification - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Previous employment documentation - same line of work - Seller-09/04/2025 <br>Ready for Review-Document Uploaded. please see UW notes on income - Seller-08/27/2025 <br>Ready for Review-Document Uploaded. Docs regarding employment - Seller-08/20/2025<br>| Resolved-VVOE for the borrower's previous employment provided. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 24% is lower than 50% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is higher than 700 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5095313 |
| XXXX | XXXX | 9173504 D A | Closed | FCRE5782 | 2025-08-06 23:35 | 2025-08-14 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing GAP credit is missing no UDM on fraud - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/13/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-08/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 24% is lower than 50% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is higher than 700 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5086559 |
| XXXX | XXXX | 9173504 D A | Closed | FCRE1148 | 2025-08-07 12:22 | 2025-08-14 12:35 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received preliminary title reflecting sufficient coverage. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/13/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/13/2025<br>| Resolved-Received preliminary title reflecting sufficient coverage. - Due Diligence Vendor-08/14/2025<br>| Qualifying DTI below maximum allowed - Qualifying Total Debt 24% is lower than 50% max allowed <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 747 is higher than 700 minimum required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5095252 |
| XXXX | XXXX | 9236117 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9239935 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9239956 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9243482 D B A | Closed | FCRE0082 | 2025-08-08 18:08 | 2025-08-14 12:02 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Warranty Deed. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Warranty Deed from XXXX conveying interest to XXXX and XXXX - Buyer-08/13/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing Warranty Deed from XXXX conveying interest to XXXX and XXXX - Due Diligence Vendor-08/08/2025 |  | Resolved-Received Warranty Deed. - Due Diligence Vendor-08/14/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 26.99%.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 6.52 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5119488 |
| XXXX | XXXX | 9243482 D B A | Closed | FCRE1325 | 2025-08-08 07:13 | 2025-08-14 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received operating agreement confirming ownership percentage acceptable to guidelines 16.6. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. UW used Alternative Articles of Organization and Operating agreement or equivalent. in lieu of CPA letter - Buyer-08/13/2025 <br>Open-Borrower 1 CPA Letter Missing Guides require business ownership percentage to be documented via 3rd party Tax Professional, which is missing from loan. - Due Diligence Vendor-08/08/2025 |  | Resolved-Received operating agreement confirming ownership percentage acceptable to guidelines 16.6. - Due Diligence Vendor-08/14/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 26.99%.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 6.52 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5106729 |
| XXXX | XXXX | 9243482 D B A | Closed | FCOM5135 | 2025-08-06 07:55 | 2025-08-06 07:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 26.99%.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 6.52 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | 5071387 |
| XXXX | XXXX | 9201266 D B A | Closed | FCRE1198 | 2025-08-09 11:37 | 2025-08-25 13:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Non-arm's length (DSCR). Reserves - Borrower is purchasing home as an Investment from ex-spouse. Home was not marketed on MLS. Also, client indicated that funds were not actually in 1031 as they sold a primary. At this time, the only assets verified are in the 1031 which are not allowed as reserves however, the borrower does have the right to remove the funds but would have to pay taxes on the amount. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Exception request and approval to use 1031 exchange funds for reserves - Seller-08/25/2025 <br>Counter-Received documentation confirming borrower is an experienced investor-6 months PITIA reserves required. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. documentation to support borrower is not a first time investor therefore 12 months reserves not required - Buyer-08/11/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) 1031 funds are not eligible to be used towards reserves - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. Exception request and approval to use 1031 exchange funds for reserves - Seller-08/25/2025<br>| Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Non-arm's length (DSCR). Reserves - Borrower is purchasing home as an Investment from ex-spouse. Home was not marketed on MLS. Also, client indicated that funds were not actually in 1031 as they sold a primary. At this time, the only assets verified are in the 1031 which are not allowed as reserves however, the borrower does have the right to remove the funds but would have to pay taxes on the amount. - Due Diligence Vendor-08/25/2025<br>| LTV is less than guideline maximum - 54.41% LTV below max of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 761 | FICO = 761 Min FICO = 720<br> Program Min DSCR: 0.80 - DSCR = .920<br> LTV = 55% - Max LTV = 75% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 5122617 |
| XXXX | XXXX | 9201266 D B A | Closed | FCOM1352 | 2025-08-07 19:33 | 2025-08-20 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/19/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-08/08/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - 54.41% LTV below max of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 761 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5103993 |
| XXXX | XXXX | 9201266 D B A | Closed | FCRE1232 | 2025-08-09 11:35 | 2025-08-12 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received documentation confirming borrower is an experienced investor. 0.8 DSCR is minimum required. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. documentation to support borrower is not a first time investor - Buyer-08/11/2025 <br>Open-The Calculated DSCR of '0.926' is less than the minimum DSCR per lender guidelines of '1'. Minimum DSCR is 1 for a First Time Investor - Due Diligence Vendor-08/09/2025 |  | Resolved-Received documentation confirming borrower is an experienced investor. 0.8 DSCR is minimum required. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - 54.41% LTV below max of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 761 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5122610 |
| XXXX | XXXX | 9239915 D A | Closed | FCRE1510 | 2025-08-11 13:05 | 2025-08-14 12:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage with Notary dates of XXXX and XXXX - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Mortgage pages 12 and 13 support both borrower signature dates of XXXX. - Buyer-08/12/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary date is signed and dated XXXX - B1 signature date is XXXX - Due Diligence Vendor-08/11/2025 |  | Resolved-Received Mortgage with Notary dates of XXXX and XXXX - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 791 is higher than 700 minimum required<br>Qualifying DTI below maximum allowed - Qualifying Total Debt 6% is lower than 50% max allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5133395 |
| XXXX | XXXX | 9239915 D A | Closed | FCRE1347 | 2025-08-11 13:10 | 2025-08-13 05:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower SE documents in file. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Self Employment- VOE - Buyer-08/12/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing final VOE. - Due Diligence Vendor-08/11/2025 |  | Resolved-Borrower SE documents in file. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 791 is higher than 700 minimum required<br>Qualifying DTI below maximum allowed - Qualifying Total Debt 6% is lower than 50% max allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5133497 |
| XXXX | XXXX | 9239949 D B A | Closed | FCRE1316 | 2025-08-11 12:28 | 2025-08-26 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter and website. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/15/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing final VOE. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/15/2025<br>| Resolved-Received CPA letter and website. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 134.04 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5132702 |
| XXXX | XXXX | 9239949 D B A | Closed | FCRE1325 | 2025-08-11 12:28 | 2025-08-26 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received EA letter confirming business over 2 years old. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-08/15/2025 <br>Open-Borrower 1 CPA Letter Missing Missing verification of the business for the previous two years. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-08/15/2025<br>| Resolved-Received EA letter confirming business over 2 years old. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 134.04 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5132703 |
| XXXX | XXXX | 9239949 D B A | Closed | FCRE0044 | 2025-08-08 18:04 | 2025-08-20 11:19 | 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 documentation. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/19/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/08/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 134.04 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5119445 |
| XXXX | XXXX | 9239949 D B A | Closed | FCRE0700 | 2025-08-11 12:20 | 2025-08-18 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received complete CD. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. CD for Subject with page 2 - Buyer-08/15/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing page 2 - Due Diligence Vendor-08/11/2025 |  | Resolved-Received complete CD. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 134.04 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5132523 |
| XXXX | XXXX | 9239949 D B A | Closed | FCRE7497 | 2025-08-08 19:15 | 2025-08-18 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation-new loan. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/15/2025 <br> Open-Missing documentation for XXXX for mgt, taxes and insurance. - Due Diligence Vendor-08/08/2025 |  | Resolved-Received PITIA validation-new loan. - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 134.04 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5120309 |
| XXXX | XXXX | 9239949 D B A | Closed | FCRE0969 | 2025-08-08 15:29 | 2025-08-11 15:13 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-08/11/2025 <br>Open-Prepay with an LLC is not allowed. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 134.04 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 772 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 5116776 |
| XXXX | XXXX | 9236126 D A | Closed | FCRE7497 | 2025-08-12 11:26 | 2025-08-27 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE confirming no HOI on primary residence. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. No HOI - Buyer-08/26/2025 <br>Counter-Need Verification of Primary Housing Expense listed on 1003. Copy of Taxes in file - missing verification HOI and HOA 9if applicable) - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. documentation for the Primary was incldued in the file upload. Please carify what exaclty is neded? - Buyer-08/20/2025 <br>Counter-Tax preparer verification provided. Please provide the missing taxes and insurance for the primary residence. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. He's PTIN - Buyer-08/15/2025 <br>Open-Missing evidence of property taxes and insurance on the borrower's primary residence listed on the loan application. - Due Diligence Vendor-08/12/2025 |  | Resolved-Received LOE confirming no HOI on primary residence. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - 86 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.89%; max permitted 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5146367 |
| XXXX | XXXX | 9236126 D A | Closed | FCRE1325 | 2025-08-12 11:40 | 2025-08-19 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparer verification. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. PTIN - Buyer-08/18/2025 <br>Open-Borrower 1 CPA Letter Missing The Enrolled Agent letter in file did not provide the EA's license number and verification of the EA's license is not documented in the loan file. - Due Diligence Vendor-08/12/2025 |  | Resolved-Received tax preparer verification. - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - 86 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 42.89%; max permitted 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5146636 |
| XXXX | XXXX | 9239937 D A | Closed | FCRE1964 | 2025-08-12 15:51 | 2025-09-02 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received child support documentation. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Page 6 states the ages of the children. I've attached it to this email. This verifies the 3 year continuance - Seller-08/28/2025 <br>Counter-Provide evidence of child support meeting guidelines 5.1.3-child support award, confirmation of continuance for 36 months and 12 month receipt required (transfers of $500 received). - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. child support - Seller-08/22/2025 <br>Open-documentation supporting child support listed on Borrower 1 on 1003 - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Page 6 states the ages of the children. I've attached it to this email. This verifies the 3 year continuance - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. child support - Seller-08/22/2025<br>| Resolved-Received child support documentation. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 758<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 6.75 months |  | 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 | 5151820 |
| XXXX | XXXX | 9239937 D A | Closed | FCRE0125 | 2025-08-12 16:02 | 2025-08-19 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Rule False - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. first payment letter<br> - Buyer-08/16/2025 <br>Open-Missing First payment letter. - Due Diligence Vendor-08/12/2025 |  | Resolved-Rule False - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 758<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 6.75 months |  | 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 | 5152010 |
| XXXX | XXXX | 9239937 D A | Closed | FCRE1510 | 2025-08-09 16:03 | 2025-08-19 11:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. DOT with legal and rider<br> - Seller-08/16/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal is missing from the mortgage - not attached to the mortgage. Legal on page 106 is a part of the condo docs. - Due Diligence Vendor-08/09/2025 | Ready for Review-Document Uploaded. DOT with legal and rider<br> - Seller-08/16/2025<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 758<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 6.75 months |  | 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 | 5123261 |
| XXXX | XXXX | 9212939 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 | XXXX | 9212935 D B A C | Closed | FCRE5790 | 2025-08-14 14:08 | 2025-08-27 12:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Debit monitoring 8.6.25 - Seller-08/25/2025 <br> Counter-Received UDM dated XXXX-please provide updated report within 10 days of closing or after. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Debit Monitoring report - Seller-08/19/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Debit monitoring XXXX- Seller-08/25/2025 <br> Ready for Review-Document Uploaded. Debit Monitoring report - Seller-08/19/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | 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 | 5181277 |
| XXXX | XXXX | 9212935 D B A C | Closed | finding-3634 | 2025-08-12 16:16 | 2025-08-27 08:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for Rate Lock Extension. Finding resolved. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. rate lock ext - Buyer-08/25/2025 <br> Counter-Received copy of Mavent, provide COC or document from lender for increase of XXXX. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Compliance report - Seller-08/19/2025 <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 (NC Rate Lock Extension) 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 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Compliance report - Seller-08/19/2025<br>| Resolved-Received COC for Rate Lock Extension. Finding resolved. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | 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 | 5152260 |
| XXXX | XXXX | 9212935 D B A C | Closed | FCRE1201 | 2025-08-14 14:14 | 2025-08-20 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Drive report - Seller-08/19/2025 <br>Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Drive report - Seller-08/19/2025<br>| Resolved-Received fraud report. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | 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 | 5181399 |
| XXXX | XXXX | 9212935 D B A C | Closed | FCRE0112 | 2025-08-14 14:17 | 2025-08-20 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Final 1008 - Buyer-08/19/2025 <br>Open-Approval/Underwriting Summary Not Provided. 1008 not provided. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  | 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 | 5181486 |
| XXXX | XXXX | 9212935 D B A C | Closed | FCOM5135 | 2025-08-13 09:43 | 2025-08-13 09:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 89.89 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 749. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5159586 |
| XXXX | XXXX | 9243448 D A | Closed | FCRE5782 | 2025-08-14 13:43 | 2025-08-20 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing updated credit or evidence of credit monitoring within 30 days of the note date - Due Diligence Vendor-08/14/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - 86 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 761 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5180671 |
| XXXX | XXXX | 9248270 D B A | Closed | FCRE1321 | 2025-08-16 14:03 | 2025-08-16 14:27 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived-Originator exception granted to allow no attorney opinion letter, Non-material waiver applied with comp factors. non-material due to credit profile, reserves. Exception applied to lender guides only. - Due Diligence Vendor-08/16/2025 <br>Open-Lender exception to waive attorney opinion letter. - Due Diligence Vendor-08/16/2025 |  | Waived-Originator exception granted to allow no attorney opinion letter, Non-material waiver applied with comp factors. non-material due to credit profile, reserves. Exception applied to lender guides only. - Due Diligence Vendor-08/16/2025<br>| Months Reserves exceed minimum required - The Borrowers has reserves in the amount of 20 months; 3 months required per guide.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. | FICO more than 20 points more than required<br> Reserves 12 months <br> Long term employment > 5 years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5203452 |
| XXXX | XXXX | 9248270 D B A | Closed | FCRE3599 | 2025-08-14 13:58 | 2025-08-16 14:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow more than 10 financed properties, Non-material waiver applied with comp factors. non-material due to credit profile, reserves. Exception applied to lender guides only. - Due Diligence Vendor-08/16/2025 <br> Open-Lender exception for XXXX over XXXX / XXXX. - Due Diligence Vendor-08/16/2025 |  | Waived-Originator exception granted to allow more than 10 financed properties, Non-material waiver applied with comp factors. non-material due to credit profile, reserves. Exception applied to lender guides only. - Due Diligence Vendor-08/16/2025<br>| Months Reserves exceed minimum required - The Borrowers has reserves in the amount of 20 months; 3 months required per guide.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. | FICO more than 20 points more than required<br> Reserves 12 months <br> Long term employment > 5 years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5181060 |
| XXXX | XXXX | 9248270 D B A | Closed | FCRE0969 | 2025-08-14 22:28 | 2025-08-16 14:25 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client exception granted to allow prepayment for loan closing in LLC, Non-material waiver applied with comp factors. - Due Diligence Vendor-08/16/2025 <br> Open-Per XXXX XXXX XXXX.S.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-08/16/2025 |  | Waived-Client exception granted to allow prepayment for loan closing in LLC, Non-material waiver applied with comp factors. - Due Diligence Vendor-08/16/2025<br>| Months Reserves exceed minimum required - The Borrowers has reserves in the amount of 20 months; 3 months required per guide.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5187425 |
| XXXX | XXXX | 9243490 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 9239941 C B A | Closed | FCRE1193 | 2025-08-15 11:50 | 2025-08-27 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received LOE. Re-calculated REO income for 3b&3c Audited DTI of 40.88% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. LOX uploaded and supporting docs uploaded. - Buyer-08/25/2025 <br> Open-Audited DTI of 50.12% exceeds Guideline DTI of 50% Rental income not adequately documented with 2 months evidence of receipt for REO 3b & 3c. <br> 3b-managing entity bank statement XXXX has payments from Apartments.com for addresses other than REO 3b but not 3b.<br> 3c-managing entity bank statement XXXX has inconsistent deposits and the leases are from XXXX. Unable to support 1003 noted rent. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received LOE. Re-calculated REO income for 3b&3c Audited DTI of 40.88% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO, 700 required<br>Months Reserves exceed minimum required - 24 months reserves documented, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5194157 |
| XXXX | XXXX | 9239941 C B A | Closed | FCRE0104 | 2025-08-15 11:36 | 2025-08-18 10:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived--Waiver applied to non-material finding as PPP not charged on individual borrower. Loan closed as entity loan. - Due Diligence Vendor-08/18/2025 <br> Open-Prepayment Penalty is not allowed. Per XXXX law, a PPP can only be applied to loans closing in a C-Corp or S-Corp specifically. An LLC or individual cannot be assessed a PPP. - Due Diligence Vendor-08/15/2025 |  | Waived--Waiver applied to non-material finding as PPP not charged on individual borrower. Loan closed as entity loan. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO, 700 required<br>Months Reserves exceed minimum required - 24 months reserves documented, 3 months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 5193894 |
| XXXX | XXXX | 9239924 C A | Closed | FCRE1479 | 2025-08-15 12:23 | 2025-08-25 13:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Per CPA Letter Borrowers have 100% Control over business and assets. - Due Diligence Vendor-08/25/2025 <br> Counter-Same documentation provided. Finding is regarding the Business Savings Account for XXXX. CPA letter does not meet the guideline requirements for access letters from the remaining owners. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. CPA letter confirms borrowers own 100% stating XXXX and XXXX have control over their individual 401ks thus have a controlling percentage of XXXX of 71.6% and 28.84%. - Buyer-08/21/2025 <br> Counter-Received CPA letter confirming ownership percentage-missing access letter from remaining owners of the business to use business funds-to meet guidelines 5.4-Access letters from the remaining owners of the business must be obtained as well. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Asset 1 Does Not Meet Guideline Requirements- Please see access letter from CPA - Buyer-08/18/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing access letter from remaining owners of the business to use business funds - Due Diligence Vendor-08/15/2025 |  | Resolved-Per CPA Letter Borrowers have 100% Control over business and assets. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 751<br>Months Reserves exceed minimum required - Min 6, actual 39.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5194722 |
| XXXX | XXXX | 9239924 C A | Closed | FCRE1148 | 2025-08-15 11:18 | 2025-08-19 12:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement confirming sufficient coverage. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Title Coverage is Less than Subject Lien(s) Total - Please see proposed insured title supp - Buyer-08/18/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). No coverage amount found on policy or loan file - Due Diligence Vendor-08/15/2025 |  | Resolved-Received title supplement confirming sufficient coverage. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 751<br>Months Reserves exceed minimum required - Min 6, actual 39.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5193080 |
| XXXX | XXXX | 9248273 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9248232 D A | Closed | FCRE5782 | 2025-08-19 22:36 | 2025-08-26 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. UDM Report - Buyer-08/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit report - No UDM on Fraud - Due Diligence Vendor-08/21/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 17.24 months are higher than 3 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 27% is lower than 50% max allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5242348 |
| XXXX | XXXX | 9248232 D A | Closed | FCOM1350 | 2025-08-20 07:28 | 2025-08-22 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Upon further review, the loan file contained all required business entity documentation. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Personal Guaranty Agreement - Buyer-08/21/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing loan agreement. - Due Diligence Vendor-08/21/2025 |  | Resolved-Upon further review, the loan file contained all required business entity documentation. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 17.24 months are higher than 3 months required <br>Qualifying DTI below maximum allowed - Qualifying Total Debt 27% is lower than 50% max allowed |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5244849 |
| XXXX | XXXX | 9243459 D A | Closed | FCRE1148 | 2025-08-21 15:58 | 2025-09-02 09:15 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-08/26/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-08/21/2025 |  | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 814; guidelines require 700. <br>Months Reserves exceed minimum required - 39.82 months reserves; 12 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5272453 |
| XXXX | XXXX | 9243459 D A | Closed | FCRE1345 | 2025-08-22 18:00 | 2025-08-28 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Upon further review, subject is a purchase. Lease and 1st month rent provided. Deposit was not part of the agreement. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/26/2025 <br>Open-Subject lease with 3 months current proof of receipt required - only lease and 1 month proof of payment provided - missing 2 months proof of receipt - Due Diligence Vendor-08/22/2025 |  | Resolved-Upon further review, subject is a purchase. Lease and 1st month rent provided. Deposit was not part of the agreement. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 814; guidelines require 700. <br>Months Reserves exceed minimum required - 39.82 months reserves; 12 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5290541 |
| XXXX | XXXX | 9216977 C A | Closed | FVAL1628 | 2025-08-21 15:09 | 2025-08-29 15:18 | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-Received confirmation of HOA dues and non PUD. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. The property has bi-annual HOA dues for $375, calculating out to a monthly amount of $62.50, see attached "XXXX – HOA dues". However, the appraisal and prelim (and by default our DoT) are also correct that the property is not a PUD. Please see attached "XXXX – title LOE" and corresponding "XXXX – Title Search - XXXX" which is referenced in the LOE - Buyer-08/27/2025 <br> Open-Final 1003 proposed payment information reflects HOA dues as well as included in DSCR calculation, however appraisal does not indicate HOA dues and no documentation was provided as such. - Due Diligence Vendor-08/21/2025 |  | Resolved-Received confirmation of HOA dues and non PUD. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - 85 months PITIA reserves; 3 months reserves required.<br>LTV is less than guideline maximum - LTV 33%; max 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5271530 |
| XXXX | XXXX | 9216978 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9243476 D A | Closed | FCRE7807 | 2025-08-26 15:34 | 2025-08-29 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/29/2025 <br>Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing lender bank statement calculation worksheet. - Due Diligence Vendor-08/26/2025 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - 272 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5324778 |
| XXXX | XXXX | 9243476 D A | Closed | FCRE1372 | 2025-08-26 15:34 | 2025-08-29 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Resolved-Received 12 months business bank statements. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-08/29/2025 <br>Open-Borrower 2 Business Bank Statements Missing missing 12 months business bank statements. - Due Diligence Vendor-08/26/2025 |  | Resolved-Received 12 months business bank statements. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - 272 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5324777 |
| XXXX | XXXX | 9243476 D A | Closed | FCRE1510 | 2025-08-25 12:45 | 2025-08-29 14:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/28/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT is missing legal description. - Due Diligence Vendor-08/25/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - 272 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 728 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5303198 |
| XXXX | XXXX | 9243464 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9248271 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9303119 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9239911 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9243500 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 9356666 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 8999047 | XXXX C A |
| XXXX | XXXX | 9056918 | XXXX D A |
| XXXX | XXXX | 9133862 | XXXX A |
| XXXX | XXXX | 9125120 | XXXX C A |
| XXXX | XXXX | 9190982 | XXXX D C A |
| XXXX | XXXX | 9146932 | XXXX D A B |
| XXXX | XXXX | 9119051 | XXXX D A |
| XXXX | XXXX | 9146936 | XXXX A |
| XXXX | XXXX | 9173479 | XXXX C A D B |
| XXXX | XXXX | 9134563 | XXXX D A |
| XXXX | XXXX | 9182094 | XXXX A B |
| XXXX | XXXX | 9201250 | XXXX C A B |
| XXXX | XXXX | 9173531 | XXXX D C A B |
| XXXX | XXXX | 9182066 | XXXX C A |
| XXXX | XXXX | 9201269 | XXXX C A |
| XXXX | XXXX | 9197022 | XXXX D A |
| XXXX | XXXX | 9217002 | XXXX D A |
| XXXX | XXXX | 9201262 | XXXX C B A |
| XXXX | XXXX | 9217006 | XXXX A |
| XXXX | XXXX | 9227589 | XXXX D A |
| XXXX | XXXX | 9227623 | XXXX C A |
| XXXX | XXXX | 9227578 | XXXX A |
| XXXX | XXXX | 9182077 | XXXX C A |
| XXXX | XXXX | 9190391 | XXXX A |
| XXXX | XXXX | 9190397 | XXXX A |
| XXXX | XXXX | 9190362 | XXXX C A |
| XXXX | XXXX | 9190376 | XXXX C A |
| XXXX | XXXX | 9227662 | XXXX C A B |
| XXXX | XXXX | 9227643 | XXXX D A B |
| XXXX | XXXX | 9227610 | XXXX A |
| XXXX | XXXX | 9227668 | XXXX D A |
| XXXX | XXXX | 9201267 | XXXX D A |
| XXXX | XXXX | 9227645 | XXXX C A B |
| XXXX | XXXX | 9201264 | XXXX A |
| XXXX | XXXX | 9196998 | XXXX D A |
| XXXX | XXXX | 9201248 | XXXX D A |
| XXXX | XXXX | 9227626 | XXXX A |
| XXXX | XXXX | 9227603 | XXXX C A |
| XXXX | XXXX | 9212967 | XXXX D A |
| XXXX | XXXX | 9217005 | XXXX A |
| XXXX | XXXX | 9190358 | XXXX A |
| XXXX | XXXX | 9226544 | XXXX D A |
| XXXX | XXXX | 9227586 | XXXX C A |
| XXXX | XXXX | 9227599 | XXXX C A |
| XXXX | XXXX | 9227587 | XXXX D A |
| XXXX | XXXX | 9190398 | XXXX C B A |
| XXXX | XXXX | 9216990 | XXXX C A |
| XXXX | XXXX | 9216991 | XXXX D A |
| XXXX | XXXX | 9216994 | XXXX A |
| XXXX | XXXX | 9173494 | XXXX C A B |
| XXXX | XXXX | 9190374 | XXXX D B A |
| XXXX | XXXX | 9201272 | XXXX D A |
| XXXX | XXXX | 9201279 | XXXX D A |
| XXXX | XXXX | 9236151 | XXXX D A |
| XXXX | XXXX | 9212954 | XXXX A |
| XXXX | XXXX | 9216986 | XXXX D A |
| XXXX | XXXX | 9212962 | XXXX C A B |
| XXXX | XXXX | 9173515 | XXXX D A |
| XXXX | XXXX | 9226547 | XXXX D A |
| XXXX | XXXX | 9212946 | XXXX C A |
| XXXX | XXXX | 9226538 | XXXX A |
| XXXX | XXXX | 9197004 | XXXX D C A |
| XXXX | XXXX | 9216996 | XXXX D A B |
| XXXX | XXXX | 9251304 | XXXX D A B |
| XXXX | XXXX | 9236132 | XXXX A |
| XXXX | XXXX | 9239950 | XXXX D A B |
| XXXX | XXXX | 9239978 | XXXX C A |
| XXXX | XXXX | 9217016 | XXXX C D A |
| XXXX | XXXX | 9173504 | XXXX D A |
| XXXX | XXXX | 9236117 | XXXX A |
| XXXX | XXXX | 9239935 | XXXX A |
| XXXX | XXXX | 9239956 | XXXX A |
| XXXX | XXXX | 9243482 | XXXX D B A |
| XXXX | XXXX | 9201266 | XXXX D A B |
| XXXX | XXXX | 9239915 | XXXX D A |
| XXXX | XXXX | 9239949 | XXXX D A B |
| XXXX | XXXX | 9236126 | XXXX D A |
| XXXX | XXXX | 9239937 | XXXX D A |
| XXXX | XXXX | 9212939 | XXXX A |
| XXXX | XXXX | 9212935 | XXXX D C A B |
| XXXX | XXXX | 9243448 | XXXX D A |
| XXXX | XXXX | 9248270 | XXXX D A B |
| XXXX | XXXX | 9243490 | XXXX A |
| XXXX | XXXX | 9239941 | XXXX C A B |
| XXXX | XXXX | 9239924 | XXXX C A |
| XXXX | XXXX | 9248273 | XXXX A |
| XXXX | XXXX | 9248232 | XXXX D A |
| XXXX | XXXX | 9243459 | XXXX D A |
| XXXX | XXXX | 9216977 | XXXX A C |
| XXXX | XXXX | 9216978 | XXXX A |
| XXXX | XXXX | 9243476 | XXXX D A |
| XXXX | XXXX | 9243464 | XXXX A |
| XXXX | XXXX | 9248271 | XXXX A |
| XXXX | XXXX | 9303119 | XXXX A |
| XXXX | XXXX | 9239911 | XXXX A |
| XXXX | XXXX | 9243500 | XXXX A |
| XXXX | XXXX | 9356666 | XXXX A |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 8999047 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender used higher liabilities; audit used credit report 09.30 |
| XXXX | XXXX | 9056918 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.129 | 1.176 | Audit matches Lender's DSCR Calculation |
| XXXX | XXXX | 9133862 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX |  | 9190982 | XXXX | Originator Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc 1 Year | Audit value based on file documents. |
| XXXX |  | 9190982 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit includes HOA |
| XXXX | XXXX | 9146936 | XXXX | Originator Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Mo Bank Statement | Per docs provided. |
| XXXX | XXXX | 9173479 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 9134563 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9134563 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title/appraisal |
| XXXX | XXXX | 9134563 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.38 | 34.19 | Audit in line with 1008 |
| XXXX | XXXX | 9182066 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.404 | 1.38 | Per audit & matches lender |
| XXXX | XXXX | 9201269 | XXXX | Lender Name | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9201269 | XXXX | Qualifying FICO | creditLiabilitiesPage | 700 | 702 | per CBR, mid score is 700 |
| XXXX | XXXX | 9197022 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | per appraisal report |
| XXXX | XXXX | 9217002 | XXXX | Property City | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 9201262 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal |
| XXXX |  | 9227589 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| XXXX |  | 9227589 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | HOA added to final figure |
| XXXX |  | 9227578 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Tape does not include HOA fee |
| XXXX |  | 9227578 | XXXX | Qualifying LTV | propertyValuationPage | 59.54 | 60.00 | loan amount/appraisal value |
| XXXX |  | 9227578 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal report |
| XXXX |  | 9227578 | XXXX | Qualifying CLTV | propertyValuationPage | 59.54 | 60.00 | loan amount/appraisal value |
| XXXX | XXXX | 9182077 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.052 | 1.2 | Per audit & matches lender calculation |
| XXXX | XXXX | 9190391 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.329 | 1 | Per 1007 / Final PITI |
| XXXX | XXXX | 9190397 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.45 | 1 | Per audit & matches lender |
| XXXX | XXXX | 9190362 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9190362 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.588 | 1 | Per audit & matches lender |
| XXXX |  | 9227662 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX |  | 9227662 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.84 | 33.85 | Audit calculated lower REO payments and debts |
| XXXX |  | 9227643 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit includes HOA fee |
| XXXX |  | 9227610 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| XXXX |  | 9227668 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | XXXX | 9201267 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.257 | 1 | True Data value DSCR match w/ lender DSCR calc |
| XXXX |  | 9227645 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per Appraisal |
| XXXX | XXXX | 9196998 | XXXX | Qualifying LTV | propertyValuationPage | 49.34 | 51.79 | per 1008 |
| XXXX | XXXX | 9201248 | XXXX | Property Type | propertyValuationPage | Townhouse | Two to Four Unit | per Appraisal |
| XXXX |  | 9227626 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX |  | 9227626 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX |  | 9227626 | XXXX | Qualifying FICO | creditLiabilitiesPage | 719 | 709 | Per updated credit report |
| XXXX | XXXX | 9190358 | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.605 | 3.2568 | Per Airbnb STR (12 month lookback) / Final PITI |
| XXXX |  | 9227586 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| XXXX |  | 9227599 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | HOA dues |
| XXXX |  | 9227587 | XXXX | Qualifying Amortization Term | notePage | 0 | 480 | Per executed I/O note in file. |
| XXXX |  | 9227587 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit includes HOA |
| XXXX |  | 9227587 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 61.84 | 128.00 | Audit backed out funds for additional property purchased by B1. |
| XXXX | XXXX | 9190398 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per title and appraisal |
| XXXX | XXXX | 9216990 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9216990 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9216991 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9216994 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9190374 | XXXX | Originator Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Mo Full Documentation | Per 1008, and Bank Statement Income Calc in file, as well as Bank Statements. |
| XXXX | XXXX | 9190374 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per 1008, and Bank Statement Income Calc in file, as well as Bank Statements. |
| XXXX | XXXX | 9201272 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9201279 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9201279 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9236151 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | XXXX | 9236151 | XXXX | Qualifying LTV | propertyValuationPage | 75 | 70.09 | loan amount/appraisal value |
| XXXX | XXXX | 9226547 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.42 | 8.10 | Auditor Matches the Lender's 1008. |
| XXXX | XXXX | 9212946 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report; PUD Rider |
| XXXX | XXXX | 9197004 | XXXX | Qualifying LTV | propertyValuationPage | 68.38 | 69.38 | loan amount/appraisal value |
| XXXX | XXXX | 9197004 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9197004 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.06 | 42.00 | 1008 contains different loan amount |
| XXXX | XXXX | 9216996 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.362 | 1.29 | Per audit, lender used different/not final PITIA |
| XXXX | XXXX | 9236132 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 9236132 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal, title |
| XXXX | XXXX | 9239950 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9239978 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9239978 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9173504 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9173504 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9173504 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.54 | 17.20 | Matches 1008 |
| XXXX | XXXX | 9236117 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9239935 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per approval |
| XXXX | XXXX | 9239935 | XXXX | Property Type | propertyValuationPage | PUD | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9243482 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.99 | 24.16 | Lender did not use 10% expense factor for the income calc. |
| XXXX | XXXX | 9201266 | XXXX | Qualifying LTV | propertyValuationPage | 54.41 | 53.04 | Audit matches Lender approval |
| XXXX | XXXX | 9239949 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Subject is 1 unit per appraisal |
| XXXX | XXXX | 9239937 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | Per Appraisal |
| XXXX | XXXX | 9212935 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 9212935 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.53 | 41.85 | Audit matches Lender Final 1003. |
| XXXX | XXXX | 9239924 | XXXX | Originator Doc Type | employmentIncomePage | 24 Month Bank Statement | 24 Mo Full Documentation | Not a full doc, 24 month bank statement program |
| XXXX | XXXX | 9239924 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.536 | Not a DSCR |
| XXXX | XXXX | 9243459 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 9243459 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9243464 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9248271 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9239911 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | per settlement statement |
| XXXX | XXXX | 9243500 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 9243500 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |

---

## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 8999047 | 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 | 17025 | 7.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20785.7 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9056918 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9133862 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9125120 | 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 | 158600.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9190982 | 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 | 10394 | 8.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A | 3607.5 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9146932 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119051 | 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 | 10319.92 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9146936 | 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 | 6135.92 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9173479 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9134563 | 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 | 1595 | 7.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6959.98 | Yes | Not Employed |  | No |  | No |  |
| XXXX | XXXX | 9182094 | 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 | 13245 | 7.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 100900.61 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9201250 | 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 | 19271.47 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9173531 | 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 | 2875 | 7.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7162.18 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9182066 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9201269 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9197022 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9217002 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9201262 | 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 | 4688.25 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3006.14 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9217006 | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6330.33 | 7.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8037.39 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9227589 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227623 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227578 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9182077 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9190391 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9190397 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9190362 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9190376 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227662 | 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 | 25680.75 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9227643 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227610 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227668 | 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 | Yes | N/A | 9285.77 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9201267 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227645 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9201264 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9196998 | 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 | 4427.28 | 7.416 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 889388.53 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9201248 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227626 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227603 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9212967 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 5919.39 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9217005 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9190358 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9226544 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227586 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9227599 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9227587 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9190398 | 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 | 0 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 106985.02 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9216990 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216991 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216994 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9173494 | 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 | 29707.83 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9190374 | 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 | 7493 | 7.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9771.32 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9201272 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9201279 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9236151 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9212954 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216986 | 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 | 402323.15 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9212962 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9173515 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9226547 | 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 | Yes | N/A | Yes | N/A | Yes | 166876.95 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9212946 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9226538 | 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 | 63125.83 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9197004 | 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 | 7354.64 | 7.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8711.12 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9216996 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9251304 | 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 | 7597.95 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9236132 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9239950 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 20089.64 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9239978 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9217016 | 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 | 10180.4 | 7.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19565.62 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9173504 | 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 | 3275 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 46978.55 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9236117 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9239935 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9239956 | 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 | N/A | N/A | 6615.15 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9243482 | 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 | 5985 | 8.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31867.14 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9201266 | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9239915 | 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 | 1201993.32 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9239949 | 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 | 37841.49 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9236126 | 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 | 4145 | 9.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3033.39 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9239937 | 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 | 5002.5 | 7.485 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 2565.61 | N/A | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9212939 | 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 | 13245 | 7.611 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13734.58 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9212935 | 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 | 4143.16 | 7.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2737.97 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9243448 | 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 | 33625.34 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9248270 | 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 | 647809.78 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9243490 | 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 | 1345 | 7.987 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17252.14 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9239941 | 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 | Yes | N/A | N/A | N/A | N/A | 19184.53 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9239924 | 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 | Yes | N/A | N/A | N/A | N/A | 24922.48 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9248273 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9248232 | 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 | 42321.62 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9243459 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216977 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9216978 | 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 | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9243476 | 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 | 77977.03 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9243464 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9248271 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9303119 | 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 | 210644.76 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9239911 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9243500 | 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 | 3708.12 | 7.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14632.96 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9356666 | 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 |

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## Exhibit 99.3

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.3 - Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 8999047 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.86 | 71.86 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9056918 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 9133862 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9125120 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 54.64 | 54.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9190982 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9146932 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.84 | 74.84 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9119051 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9146936 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9173479 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.46 | 38.46 | XXXX | XXXX | -.0385 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0385 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9134563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.72 | 35.72 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | XXXX | 9182094 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.05 | 35.05 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9201250 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9173531 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.98 | 50.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9182066 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | XXXX | 9201269 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9197022 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9217002 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9201262 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.56 | 24.56 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9217006 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.1 | XXXX |
| XXXX | XXXX | 9227589 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 61.84 | 61.84 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9227623 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0513 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0513 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 9227578 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 59.54 | 59.54 | XXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9182077 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | XXXX | 9190391 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9190397 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9190362 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9190376 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9227662 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9227643 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 9227610 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9227668 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.78 | 33.78 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9201267 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 44.25 | 44.25 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9227645 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9201264 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0566 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0566 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9196998 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.34 | 49.34 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9201248 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.7 | 50.7 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9227626 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9227603 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9212967 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.47 | 32.47 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9217005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9190358 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | XXXX | 9226544 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9227586 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9227599 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0407 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9227587 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 9190398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.0 | 30.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 9216990 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0383 | 99.0 | 0.01 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9216991 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9216994 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9173494 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.07 | 29.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 9190374 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.94 | 64.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9201272 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9201279 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 44.28 | 44.28 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9236151 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9212954 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9216986 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9212962 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9173515 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.17 | 57.17 | XXXX | XXXX | -.0493 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0493 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9226547 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | XXXX | 9212946 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9226538 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9197004 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.38 | 68.38 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9216996 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0179 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0179 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9251304 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9236132 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | XXXX | 9239950 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9239978 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9217016 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.91 | 72.91 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1.4 | XXXX |
| XXXX | XXXX | 9173504 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 9236117 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9239935 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0182 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0182 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9239956 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9243482 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 9201266 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.41 | 54.41 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9239915 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9239949 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9236126 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.29 | 74.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 9239937 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9212939 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9212935 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.53 | 42.53 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9243448 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9248270 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243490 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.97 | 69.97 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9239941 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 76.87 | 76.87 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9239924 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9248273 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9248232 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9243459 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.17 | 74.17 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9216977 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.48 | 33.48 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9216978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 44.27 | 44.27 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 9243476 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9243464 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9248271 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.87 | 77.87 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9303119 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9239911 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243500 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9356666 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4**

![](ex994001.jpg)

**November 03, 2025**<br> **Due Diligence Narrative Report** <br>

![](ex994002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 1 November 03, 2025

![](ex994002.jpg)

Clayton Contact Information

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex994003.jpg) | **Ralph Fox** | Client Services – Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](ex994003.jpg) | **Joe Ozment** | VP Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of theLender, Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of HomeXpress Mortgage Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 48 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of SG Capital, Clayton conducted an independent third-party pre-securitization due diligence review of 14 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of eResi Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 19 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

The loans referenced in this narrative report were reviewed on a bulk and flow basis between June 2023 and September 2025 at Clayton's centralized underwriting facility in Tampa, FL. This narrative report provides information about the original lender, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loan in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;67 | &nbsp;&nbsp;80.72% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**83** | &nbsp;&nbsp;**100.00%** |

---

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 2 November 03, 2025

![](ex994002.jpg)

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance review, plus a data integrity check, and was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

Sampling

For all originators in this transaction, 40.96% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br>***Reviewed by <br> Clayton*** <br>| &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;34\* | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;83<br>|  |

---

\*49 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable originator's guidelines.

Loan Grading

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

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

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 3 November 03, 2025

![](ex994002.jpg)

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

![](ex994004.jpg)

TPR Component Review Scope

Clayton examined each loan file 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 this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

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

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 4 November 03, 2025

![](ex994002.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original
 Appraisal Assessment (83 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 scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value
 Supported Analysis (48 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. Clayton had independent access to all products listed below.

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

42 loans had CU scores of 2.5 or less and did not require a third-party valuation. For further detail please refer to the MSRM 2025-NQM9 Valuations Summary Report

Regulatory Compliance Review

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

(For more detail, please refer to <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;

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, as further described on Appendix C attached hereto and

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

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&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; and

– 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 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.

Following the June 15<sup>th</sup> , 2016 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 Morgan Stanley Mortgage Capital Holdings.

<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).

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

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

State and Federal High Cost and Higher-Priced:

● 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 IL high cost.

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Capture

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

Data Integrity

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Discrepancies
 found during comparison are stored; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

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**Data Compare Results**

Clayton provided Morgan Stanley Mortgage Capital Holdings, LLC (MSMCH) with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;7 | &nbsp;&nbsp;91.57% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;93.98% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;20 | &nbsp;&nbsp;75.90% |

---

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (83 loans)</u>

![](ex994005.jpg)

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.

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 8 November 03, 2025

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**Initial and Final Credit Component Grade Results**![](ex994006.jpg)

**Initial and Final Property Valuation Grade Results**![](ex994007.jpg)

**Initial and Final Regulatory Compliance Grade Results\***![](ex994008.jpg)

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (49 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. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan
 Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Waived
 Conditions Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations
 Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation
 Forms

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Standard
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Non-ATR
 QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Rating
 Agency ATR/QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Guideline
 Report

**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

○ 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

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○ 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

– 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

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– 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

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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**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

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:

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

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

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

○ 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

G. Desk
 Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope**

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

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**<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:

○ 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").

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 16 November 03, 2025

![](ex994002.jpg)

&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

● 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.

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 17 November 03, 2025

![](ex994002.jpg)

&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

● 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.

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 18 November 03, 2025

![](ex994002.jpg)

**<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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont<br>(High Rate, High Point law)<br>|
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including Cleveland Heights ordinance<br>|  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;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).

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 19 November 03, 2025

![](ex994002.jpg)

**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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;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) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;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) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;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:

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 20 November 03, 2025

![](ex994002.jpg)

**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.

MSRM 2025-NQM9 Due Diligence Narrative Report Page \| 21 November 03, 2025

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **ATR QM Upload** |  |
| Loans in Report: | 83 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 9251301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4726 | Yes | Yes | 3.26 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.76 | 36.75 | 36.76 | 36.75 | 36.75 | 36.75 | No | No | (No Data) | 15811.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4764 | Yes | No | 1.061 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.93 | 48.92 | 48.93 | 40.21 | 40.21 | 48.92 | No | No | (No Data) | 42300.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9217210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.6262 | Yes | Yes | 0.925 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.76 | 3.76 | 3.76 | 3.76 | 3.76 | 3.76 | No | No | (No Data) | 250564.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9217211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8809 | No | No | 0.045 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.19 | 47.19 | 47.19 | 47.19 | 47.19 | 47.19 | No | No | (No Data) | 19826.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9217414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 14.38 | 0 | 14.38 | 14.38 | 14.38 | (No Data) | (No Data) | (No Data) | 55185.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9217326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 8.7931 | No | No | 3.875 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 48.24 | 0 | 48.24 | 48.24 | 48.24 | No | No | (No Data) | 4876.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months | 1099 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4414 | Yes | No | 0.144 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.97 | 36.85 | 45 | 36.85 | 36.85 | 36.85 | No | No | (No Data) | 8672.47 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2880 | Yes | No | 7.433 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 9.77 | 0 | 9.77 | 9.77 | 9.77 | (No Data) | (No Data) | (No Data) | 540231.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | 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;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0327 | Yes | Yes | 0.137 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.22 | 9.7 | 18.22 | 9.7 | 9.7 | 9.7 | No | No | (No Data) | 182956.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 3.563 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25.79 | 0 | 25.79 | 25.79 | 25.79 | (No Data) | (No Data) | (No Data) | 66111 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4350 | Yes | Yes | 0.381 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.37 | 41.53 | 40.37 | 41.53 | 41.53 | 41.53 | No | No | (No Data) | 13229.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 7.4066 | Yes | Yes | 0.426 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.2 | 38.91 | 30.2 | 38.91 | 38.91 | 38.91 | No | No | (No Data) | 68338.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4107 | No | No | 4.382 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.55 | 45.95 | 46.55 | 45.95 | 45.95 | 45.95 | No | No | (No Data) | 4777.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9251087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5883 | Yes | No | 4.911 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.96 | 0 | 40.96 | 40.96 | 40.96 | (No Data) | (No Data) | (No Data) | 13624.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9222031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5497 | No | No | 4.634 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 51.81 | 49.96 | 51.81 | 49.96 | 49.96 | 49.96 | No | Yes | Yes | 7377.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6866292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5186 | No | No | 2.9 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50 | 50 | 50 | 50 | 50 | 50 | Yes | Yes | Yes | 2538.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | FMNA 1005 | 3 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8442206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1981 | No | No | 3.797 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.4 | 43.18 | 43.4 | 43.18 | 43.18 | 43.18 | No | No | (No Data) | 2985.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 228 months;<br> Verbal VOE with Income - 228 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9191067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6347.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 6900.00 | 1.0870 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9191084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1819.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.2094 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9191116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1972.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3150.00 | No | (No Data) | 1.5969 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9191126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7454.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 18859.20 | No | (No Data) | 2.5298 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2393.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0443 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9191086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2443.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3000.00 | No | (No Data) | 1.2276 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2450.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 0.7549 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1408.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1675.00 | No | (No Data) | 1.1895 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2097.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1820.00 | No | (No Data) | 0.8677 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4460.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 0.8898 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2282.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2650.00 | No | (No Data) | 1.1600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7190.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3175.00 | No | (No Data) | 0.8082 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2428.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2975.00 | No | (No Data) | 1.2248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1914.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1492 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1117.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.2973 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1658.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.1454 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0.917 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1259.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.3496 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1953.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.2796 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5772.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0370 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2465.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4250.00 | No | (No Data) | 1.7240 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3720.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2880.00 | No | (No Data) | 0.7741 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.02 | 0 | 31.02 | 31.02 | 31.02 | (No Data) | (No Data) | (No Data) | 20777.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9227649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -840.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.6654 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2804.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.1412 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 9227592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1960.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0203 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 22.78 | 0 | 22.78 | 22.78 | 22.78 | (No Data) | (No Data) | (No Data) | 21430.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2655.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.8073 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7096.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 12900.00 | No | (No Data) | 1.8179 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3601.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3200.00 | No | (No Data) | 0.8884 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1933.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2250.00 | 1.1639 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1995.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1026 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 9.2500 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4639.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 0.8094 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2374.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.5820 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4908.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4925.00 | No | (No Data) | 1.0033 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9227655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0.945 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5121.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9100.00 | No | (No Data) | 1.7767 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1282.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.4813 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1743.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 1.1182 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1884.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.9107 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1497.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.0014 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1351.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.1097 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1565.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2050.00 | No | (No Data) | 1.3097 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1542.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.0049 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (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 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 22.74 | 0 | 22.74 | 22.74 | 22.74 | (No Data) | (No Data) | (No Data) | 84548.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | Green Card | (No Data) | (No Data) |
| 9227661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 23.4 | 0 | 23.4 | 23.4 | 23.4 | (No Data) | (No Data) | (No Data) | 25533.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2254.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.3309 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9227667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.22 | 0 | 47.22 | 47.22 | 47.22 | (No Data) | (No Data) | (No Data) | 31594.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 252 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7046768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (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 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4746.32 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5600.00 | No | (No Data) | 1.1799 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9212922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 7.2668 | No | No | 7.543 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1825.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 960.00 | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9212934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.2343 | No | No | 9.801 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6067.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9216972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.4450 | No | No | 9.434 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4187.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.96 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9217001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 7.7143 | No | No | 6.452 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1537.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2300.00 | No | (No Data) | 1.50 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9236128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3515.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4250.00 | 1.35 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9236119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4537 | No | Yes | 2.812 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Not Applicable | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.6 | 43.39 | 42.6 | 43.39 | 43.39 | 43.39 | No | No | (No Data) | 3283 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9239938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2% of amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1207 | No | No | 3.742 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3195.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9239944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.4384 | Yes | No | 8.894 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.29 | 0 | 6.29 | 6.29 | 6.29 | (No Data) | (No Data) | (No Data) | 1208030.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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 Data) | Personal Bank Statements - 12 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9239930 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5863 | No | No | 5.942 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1585.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.17 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5806.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.3575 | No | No | 6.124 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1378 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1630.00 | No | (No Data) | 1.20 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9248233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (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 | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | Yes | Yes | 1 | 7.8379 | No | No | 6.214 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2078.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.04 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9248267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.7501 | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.08 | 0 | 28.08 | 28.08 | 28.08 | (No Data) | (No Data) | (No Data) | 276618.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9303117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5,4,3,2,1 of amt prepaid in yrs 1-5 if amt prepd within 12 mons > 20% UPB | (No Data) | Yes | Yes | 1 | 7.8533 | No | No | 11.37 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2369.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1675.00 | No | (No Data) | 1.09 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9303121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7390 | Yes | Yes | 1.858 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.47 | 9.16 | 9.47 | 9.16 | 9.16 | 9.16 | No | Yes | Yes | 35529.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 9356663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2% of amt prepd > 20% OPB | (No Data) | Yes | Yes | 1 | 7.0313 | No | No | 3.221 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4002.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9212957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Rowhouse | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3436 | No | No | 4.788 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3135.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 0.88 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9239932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1788 | No | No | 1.854 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.55 | 0 | 44.55 | 44.55 | 44.55 | (No Data) | (No Data) | (No Data) | 3900.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9303122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | Yes | No | 3.688 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 12.3 | 0 | 12.3 | 12.29 | 12.29 | (No Data) | (No Data) | (No Data) | 110226.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | 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) | (No Data) | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4 - Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *83* |
| ***Loans with Conditions:*** | *40* |

---

---

| |
|:---|
| **7 - Total Active Conditions** |
| **7 - Non-Material Conditions** |
| 6 - Credit Review Scope |
| 1 - Category: Assets |
| 4 - Category: Credit/Mtg History |
| 1 - Category: Terms/Guidelines |
| 1 - Property Valuations Review Scope |
| 1 - Category: Property |
| **62 - Total Satisfied Conditions** |
| 42 - Credit Review Scope |
| 3 - Category: Application |
| 4 - Category: Assets |
| 4 - Category: Credit/Mtg History |
| 4 - Category: DTI |
| 11 - Category: Income/Employment |
| 2 - Category: Insurance |
| 8 - Category: Legal Documents |
| 5 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 6 - Property Valuations Review Scope |
| 5 - Category: Appraisal |
| 1 - Category: Property |
| 14 - Compliance Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Borrower's Interest |
| 1 - Category: Federal Higher-Priced |
| 2 - Category: Texas Home Equity |
| 9 - Category: TILA/RESPA Integrated Disclosure |
| **3 - Total Waived Conditions** |
| 3 - Credit Review Scope |
| 1 - Category: Income/Employment |
| 1 - Category: LTV/CLTV |
| 1 - Category: Terms/Guidelines |

---

&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.

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *83* |
| ***Loans with Conditions:*** | *40* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 9251301 | XXXXXX | XXXXXX | 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 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 | Exception fired in error | (No Data) | Exception fired in error | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251301 | XXXXXX | XXXXXX | 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 Fee of due to CD (All Fees) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251301 | XXXXXX | XXXXXX | 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 | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstances letter for Ten Percent tolerance, (Recording Fee) increase, or a copy of a refund check in the amount of XXX | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251301 | XXXXXX | XXXXXX | 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 D A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Missing Loan Estimate. | (No Data) | Loan Estimate provided for cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251301 | XXXXXX | XXXXXX | 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 D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251301 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | The tax preparer letter was prepared by a PTIN which is ineligible for the bank statement program per the guidelines. | (No Data) | SG has elected to waive the PTIN requirement with sufficient comp factors. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251301 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The rate was locked on XXX per the XXX rate lock report. This is after the loan closed (XXX). | (No Data) | SG ok to cancel exception. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 30.93 months reserves. |
| 9251293 | XXXXXX | XXXXXX | 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> - XXX Comments: Borrower has 18 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 809.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 92.95 months PITIA. |
| 9217210 | XXXXXX | XXXXXX | 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> - XXX Comments: 3.76% DTI is below program max allowable of 50%.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 1.29% revolving credit utilization.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 38.72 months reserves exceed min required of 6 months. |
| 9217211 | XXXXXX | XXXXXX | 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> - XXX Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 5 years 6 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 755 is 35 points above the 720 FICO required for the program. |
| 9217414 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Warranty Deed from loan file | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for the past 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 695 credit score exceeds minimum required per guidelines |
| 9217326 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Compliance | Borrower's Interest | Satisfied B A | CMPBI5573 | XXX Borrower's Interest-Missing Borrower-Signed TNB form or statement | No | Missing XXX, Total Net Benefit Statement. | (No Data) | Lender provided Borrower LOE in place of XXX statement - exception satisfied. | Not Applicable | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers have good mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 678 qualifying score is 10+ points > 660 requirement. |
| 9217326 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Compliance | Federal Higher-Priced | Satisfied B A | CMPFDHP2950 | Federal Higher-priced mortgage loan - No evidence that lender attempted to comply with appraisal Safe Harbor standards | No | (No Data) | (No Data) | There is an appraisal in file as well Compliance Report this exception is cleared | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers have good mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 678 qualifying score is 10+ points > 660 requirement. |
| 9217326 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines for a cash out refi using P&L income to qualify the maximum LTV is 70%. Loan closed at 75% LTV which exceeds the guideline maximum. An exception for the guideline deviation is missing from the loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers have good mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 678 qualifying score is 10+ points > 660 requirement. |
| 9217326 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | A D B | B | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The 1008 and/ or Lender Approval is missing from the loan file. | (No Data) | 1008 provided to cure. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrowers have good mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 678 qualifying score is 10+ points > 660 requirement. |
| 9251281 | XXXXXX | XXXXXX | 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 | CMPTRID3552 | TRID - Loan Estimate not timely | No | Corrected data input cancels exception. | (No Data) | Not valid. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 36.85% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 331.84 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 806 score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV |
| 9251260 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Warranty/ Grant deed is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 207 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers Fico of 740 is 60 points greater than the minimum required Fico of 680. |
| 9251209 | XXXXXX | XXXXXX | 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 | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | The file contains an LE for the subject property issued on XXX, which is before the Initial XXX CD was issued. | (No Data) | Date confusion does not affect the final terms as both XXX CD and XXX LE were signed by the borrower at closing XXX along with final CD dated XXX - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 812 qualifying score is 10+ points > 660 requirement.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 9.70% DTI is low. |
| 9251209 | XXXXXX | XXXXXX | 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 | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | (No Data) | Lender provided evidence CD received XXX - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 812 qualifying score is 10+ points > 660 requirement.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 9.70% DTI is low. |
| 9251209 | XXXXXX | XXXXXX | 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 | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | (No Data) | Lender provided evidence CD received XXX - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 812 qualifying score is 10+ points > 660 requirement.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 9.70% DTI is low. |
| 9251187 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 750 credit score exceeds minimum required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 74.87 verified cash reserves exceed minimum required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have resided at the same residence for the past 26 years and 2 months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for the past 10 years |
| 9251154 | XXXXXX | XXXXXX | 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 | Loan was underwritten using a 3rd party expense factor. However, the following components were missing from the CPA letter, which are required per guidelines: Attestation the expense ratio represents an accurate summary of the applicable cash expenses of the business, Attestation verifying the borrower's ownership percentage and verification of the tax preparer's license. | (No Data) | Documentation reviewed during income only review and was cleared. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 qualifying score is 10+ points > 660 requirement.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has good credit history. |
| 9251154 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied A | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines, borrowers with no investment properties retaining their departing residence as a rental require preapproval. | (No Data) | Preapproval for retaining departing residence with no landlord history approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 qualifying score is 10+ points > 660 requirement.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has good credit history. |
| 9251122 | XXXXXX | XXXXXX | 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> - XXX Comments: 746 qualifying score is 10+ points > 700 requirement.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower has good mortgage payment history reported on credit report.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 16.21 months of reserves |
| 9251116 | XXXXXX | XXXXXX | 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 | XXX Home Equity | Satisfied C B | CMPTXHE119 | XXX Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value not signed | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 770 qualifying score is 10+ points > 700 requirement.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has good mortgage payment history. |
| 9251116 | XXXXXX | XXXXXX | 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 | XXX Home Equity | Satisfied D A | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No | Voluntary Same-Lender Debt disclosure not provided to borrower | (No Data) | Cleared. Not valid. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 770 qualifying score is 10+ points > 700 requirement.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has good mortgage payment history. |
| 9251087 | XXXXXX | XXXXXX | (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 | The Note reflects the address is XXX, XXX and Appraisal indicates that correct address is XXX. | (No Data) | Corrected note provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 723 credit score exceeds minimum required<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession for the past 28 years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at the same residence for the past 11 years and 2 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 27.90 verified cash reserves exceed minimum required per guidelines |
| 9222031 | XXXXXX | XXXXXX | 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> - XXX Comments: Borrower has 14.31 months of reserves and only 3 are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers 660 FICO score is above the 620 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The 55.938% LTV is below the 75% max. |
| 6866292 | XXXXXX | XXXXXX | 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 | Exception will satisfy when all income documents are received and accepted. | 6.20.2023-Clients response: June 19th 2023, 6:36:20 pmplease SEE THE ATTACHED PROOF OF INCOME . PLEASE CLEAR THE CONDITION.6.20.2023-XXX's response: The exception cannot be satisfied until the Trust documents are received. Exception remains.6.23.2023 Client sent the full copy of the XXX and XXX statement #XXX verifying borrower receiving XXX. Exception satisfied | 6.20.2023-Exception remains..6.23.2023- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 738 is 78 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 52 months PITIA is 46 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is 5% below the 85% LTV allowed for the program. |
| 6866292 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing evidence in file to support Trust income. | 6.20.2023-Clients response:June 19th 2023, 6:39:15 pmPlease see the attached proof of the trust income please clear the condition. 6.20.2023-XXX's response: Received XXX statement account #XXX that shows the borrower receiving XXX provide a copy of the complete Trust. 6.22.2023 Client responded - See attached XXX XXX. Please clear this exception6.22.2023 Client sent the full copy of the Living Trust and XXX statement XXX verifying borrower receiving XXX Exception satisfied. | 6.22.2023 Exception satisfied6.20.2023-Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 738 is 78 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 52 months PITIA is 46 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is 5% below the 85% LTV allowed for the program. |
| 6866292 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Loan is Full Doc 2 Year. Missing 2 years of employment and income documentation in file. | 6.20.2023-Clients response: June 19th 2023, 6:35:00 pmPlease see the attached proof of income 2 yrs . Please clear the condition.6.20.2023-XXX's response: Received the verification of 2 year employment history; exception is satisfied. | 6.20.2023-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 738 is 78 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 52 months PITIA is 46 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is 5% below the 85% LTV allowed for the program. |
| 8442206 | XXXXXX | XXXXXX | 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 | PRVAAPPR3116 | Missing updated valuation | No | Provide third party valuation that supports the value of $XXX. | XXX A copy of the CU which validates the value has been uploaded,XXX exception satisfied | XXX exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has 16 months in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Loan to value is 51.62, max is 75%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 8 years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in her profession for 19 years. |
| 9191067 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 17+months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has lived at current residence 7+ years.<br>CFCFS2860: Good credit history<br> - XXX Comments: Guarantor demonstrates good credit history. |
| 9191084 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 6.10.25 please find the final SS6.10.25 exception satisfied | 6.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 690 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70.61% LTV < guideline maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 110.12 months PITI > required guidelines |
| 9191116 | XXXXXX | XXXXXX | (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 | Missing 12 months canceled checks (front & back) for rental payments to a private landlord. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX or 12.85 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.82% is below guideline maximum of 80% for a DSCR purchase with a 752 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 752 exceeds guideline minimum of 620 for a DSCR purchase at 22.82% LTV |
| 9191116 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 6.03.2025-Client's response: June 2nd 2025, 7:38:53 pmHOA for review.6.03.2025-XXX's response: Received the HOA Questionnaire, exception is satisfied. | 6.03.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX or 12.85 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 22.82% is below guideline maximum of 80% for a DSCR purchase with a 752 credit score<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 752 exceeds guideline minimum of 620 for a DSCR purchase at 22.82% LTV |
| 9191126 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 812 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 38.03 months PITI > required guidelines |
| 9227601 | XXXXXX | XXXXXX | (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 | Guidelines require 12 months of canceled checks (front & back) from the private mortgage lender. Borrowers has 5 months of canceled checks as the other months paid in cash. XXX deems this non-material. Compensating factors; DSCR 1.0443, 15 months in reserves, 6 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 677 exceeds guidelines with a minimum credit score of 620.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Positive mortgage payment history with no late payments reporting for the past 60 months or more.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: File has 15.99 months in reserves. |
| 9191086 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 167+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 57+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 45 Months Reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: Borrower does not have any major mortgage related occurrences |
| 9227577 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 741 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned primary / current residence for 7+ years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 46% LTV < guideline maximum of 75% |
| 9227628 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 118+ Months reporting<br>CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 94 Months Reserves |
| 9227582 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 41.55 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 735 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 3 years. |
| 9227584 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 800 exceeds the minimum required per lender guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B1 has significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified Cash reserves exceed minimum amount required per lender guidelines |
| 9227627 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 53 months mortgage payment history exceeds minimum required per the lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed minimum amount required per the lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score exceeds the minimum required as per the lender guidelines |
| 9227579 | XXXXXX | XXXXXX | (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 | Please provide Final HUD-1 | 7.23.25 Please find the final SS7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Overall good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 699 exceeds minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets:XXX or 10.86 months PITIA |
| 9227594 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 288 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 39+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history. |
| 9227621 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 77+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Guarantor has lived at current residence 9+ years. |
| 9227637 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Client exception in file for $XXX on the minimum equity. Loan amount = XXX and appraised value XXX, not meeting XXX equity requirement. XXX deems this non-material due to the following compensating factorsDSCR 1.35, LTV 71.94% and FICO of 792. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX or 32.11 months PITI, exceeding 6 months guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 792 exceeds guideline requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 71.94% is below max guideline requirement of 80.00%. |
| 9227622 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 18 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 88 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 809 is 189 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 60.75% is 19.25% below the 80% LTV allowed for the program. |
| 9227641 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has significant time at current residence with 12.1 years.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Positive mortgage payment history with no late payments in the past 12 months or more. |
| 9227638 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing bank statement from XXX XXX showing balance of XXX in assets used to qualify | 7.8.25 Bank statement for account XXX is with XXX, copy provided. Please clear finding.7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrowers have occupied their primary residence for 15 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 41.58%, max allowed per G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 817, minimum required per G/L is 620 |
| 9227638 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Gift letter from XXX for XXX, XXX for $XXX, and XXX for XXX | 7.8.25 Requested gift letters provided, please clear finding.7.10.25 exception satisfied | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrowers have occupied their primary residence for 15 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 41.58%, max allowed per G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 817, minimum required per G/L is 620 |
| 9227638 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing bank statement from XXX #XXX showing balance of XXX in assets used to qualify | 7.8.25 Missing bank statement from XXX #XXX showing balance of XXX in assets used to qualify | 7.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrowers have occupied their primary residence for 15 years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 41.58%, max allowed per G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 817, minimum required per G/L is 620 |
| 9227600 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score exceeds minimum required per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history exceeds minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: CLTV is below max allowable per lender guidelines |
| 9227650 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of XXX | 7.8.25 DVR provided, please clear finding.7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 31.41 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 76.50% is below guideline maximum of 80% for a DSCR cash out refinance with a 732 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 732 exceeds guideline minimum of 680 for a DSCR cash out refinance at 76.50% LTV. |
| 9227580 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Subject is Non Warrantable Condo per XXX guides due to :investor concentration is over 50%. XXX deems exception to be be non material/non fatal to the lending decision. Grade = 2/B. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 132 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 10+ months reserves exceeds guidelines. |
| 9227665 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Used lender calculation. Missing 12 month bank statements used for income calc. | 7.14.25 please find the 12 mo bank stmt7.15.25 exception satisfied | 7.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 16.55 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.27% is below guideline maximum of 50%. |
| 9227649 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXX Comments: Guarantor demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has lived at current residence 7 years. |
| 9227620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 62.55% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 813 > 193 points above guideline program minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Consumer credit history shows 0x30x12 |
| 9227592 | XXXXXX | XXXXXX | (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 | 12 month canceled checks for the rental payments to XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.36% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 29.09 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 777 qualifying score exceeds guideline minimum of 620 |
| 9227663 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | This is a bank statement loan per income calculator in file. No bank statements were provided to accurately calculate income. | 7.9.25 Bank statements provided, please clear finding.7.11.25 exception satisfied | 7.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 292 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets:XXX-funds to close XXX=XXX |
| 9227663 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date XXX docs date XXX | (No Data) | 7.11.25 Finall HUD DD = XXX | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 292 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets:XXX-funds to close XXX=XXX |
| 9227656 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation to support original appraised value = XXX | 7.8.25 DVR provided, please clear finding.7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has lived at current residence 4+ years. |
| 9227657 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post close reserves are XXX or 4.99 months PITI. months reserves of XXX required (6 x $XXX PITI) XXX deems this non=material. Compensating factors; FICO 801, 12 years at current residence, DSCR 1.8179. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 801 exceeds guideline requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage history of 0 x 30 past 99 months exceeds guideline requirement of 1 x 30 past 12 months.<br>CFCFS2860: Good credit history<br> - XXX Comments: Excellent credit history. No 0 x 30 last payments over past 99 months. |
| 9227585 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 7.17.25 please find the final SS7.17.25 exception satisfied | 7.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 701 > 61 points above guideline program minimum of 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.99% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Consumer credit history shows 0x30x119 months. |
| 9227585 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Lender to Provide Title Commitment . | 7.17.25 title prelim uploaded for review.7.17.25 exception satisfied | 7.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 701 > 61 points above guideline program minimum of 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.99% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Consumer credit history shows 0x30x119 months. |
| 9227585 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide the third party evaluation that supports the value. | 7.17.25 DVR uploaded for review.7.18.25 exception satisfied | 7.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 701 > 61 points above guideline program minimum of 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 69.99% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Consumer credit history shows 0x30x119 months. |
| 9227625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned primary / current residence for 5+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 791 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 6.60 months PITI > required guidelines |
| 9227612 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 219 Months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Guarantor demonstrates positive mortgage payment history. |
| 9227581 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history exceeds minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 69.93%, max is 75%. |
| 9227624 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 793 Credit score exceeds guidelines of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 82 months 0x30 mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX or 363.61 months PITIA exceeds the required 3 months reserves. |
| 9227590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Borrower has a good credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 690 exceeds guidelines with a minimum credit score of 620.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for 5.8 years. |
| 9227655 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 56.35% LTV < guideline maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 639 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 9.69 months PITI > required guidelines |
| 9227646 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 97.69 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 70% is below guideline maximum of 75% for a DSCR cash out refinance with a 687 credit score.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 6 years. |
| 9227614 | XXXXXX | XXXXXX | (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 | 12 months canceled checks for the private mortgage holders: XXX, and XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 134+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 38+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 22 Months Reserves |
| 9227659 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has 7 years 9 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of 116 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of 739 is 119 points above the 620 FICO required for the program. |
| 9227595 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 63.70%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: No reserves required on LTVs <65%. Cash to borrower XXX or 120.16 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 731, minimum required by G/L is 620 |
| 9227613 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 703 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX reserves in file or 13.95 months PITI > required guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 75% LTV < guideline maximum of 80% |
| 9227639 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 653 exceeds 620 requirement<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 241 months mortgage history with 0x30 exceeds guideline 12 months 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves XXX or 73.71 months PITIA exceeds guideline required $0.00 for loan <65% LTV. |
| 9227593 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 27+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Guarantor has lived at current residence 5 years.<br>CFCFS2860: Good credit history<br> - XXX Comments: Guarantor demonstrates good credit history. |
| 9227664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing Mortgage Statements for the following properties: XXX, XXX/XXX/XXX XXX - XXX and XXX XXX - XXX has not been uploaded by the Lender. | 7.23.2025-Client's response: July 17th 2025, 5:41:38 pmstatements arent required as they are owned by the LLC the notes were uploaded for that purpose please clear.7.23.2025-XXX's response: Received the Notes for the payments, still need the insurance and taxes; exception remains.7.28.2025-Taxes and Insurance received, exception is satisfied. | 7.23.2025-Exception remains.7.28.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 12 years and 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 36.03% is below the minimum program requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 758 > 138 points above guideline program minimum of 620. |
| 9227664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 12 months of Business Bank Statements for XXX from XXX #XXX have not been uploaded by the Lender. | 7.23.2025-Clients response: July 17th 2025, 5:15:01 pmplease find the income bnk stms7.23.2025-XXXs response: Received the bank statements that support the income, exception is satisfied. | 7.23.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 12 years and 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 36.03% is below the minimum program requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 758 > 138 points above guideline program minimum of 620. |
| 9227664 | XXXXXX | XXXXXX | (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 | Provide 12 months of Business Bank Statements for XXX from XXX XXX | 7.23.2025-Clients response: July 17th 2025, 5:15:01 pmplease find the income bnk stms7.23.2025-XXXs response: Received the bank statements that support the income, exception is satisfied. | 7.23.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job, 12 years and 6 months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 36.03% is below the minimum program requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 758 > 138 points above guideline program minimum of 620. |
| 9227661 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Verbal verification of employment missing | 7.17.25 please find the verbal voe7.17.25 exception satisfied | 7.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 22.42 months. 3 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 19.31% is below guideline maximum of 50%.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: In residence 7 years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: In profession 12 years. |
| 9227640 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation review. | 7.22.25 DVR is showing in the docs. Please clear finding.7.22.25 exception satisfied | 7.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided cat currnet residence fo rthe past 4 years and 0 months,<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO 704 > 84 points above guideline program minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9227667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Review DTI 58.05% including XXX rental primary and stated primary being purchased at XXX XXX | 7.26.2025-Clients response: July 24th 2025, 5:01:27 pmplease clear with income and payment info7.26.2025-XXX's response: Received the missing income documents, ratio is below 50%, exception is satisfied. | 7.26.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV below guideline requirements 80%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower overall credit is good. |
| 9227667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence of PITIA for property at XXX to support XXX included in DTI on the final application. | 7.26.2025-Client's response: July 24th 2025, 4:57:30 pm1st payment letter for recent closed loan for property.7.26.2025-XXX's response: Received the first payment letter for XXX, exception is satisfied. | 7.26.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV below guideline requirements 80%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower overall credit is good. |
| 9227667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 12 month XXX business statements account (XXX) showing deposits to support XXX monthly income. | 7.26.2025-Clients response: July 24th 2025, 4:56:03 pmplease find the 12 mo bank stmts for review.7.26.2025-XXX's response: Received the 12 months of bank statements from XXX#XXX, exception satisfied. | 7.26.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV below guideline requirements 80%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower overall credit is good. |
| 9227667 | XXXXXX | XXXXXX | (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 12 month XXX business statements account (XXX) showing deposits to support XXX monthly income. | 7.26.2025-Clients response: July 24th 2025, 4:56:03 pmplease find the 12 mo bank stmts for review.7.26.2025-XXX's response: Received the 12 months of bank statements from XXX #XXX, exception satisfied. | 7.26.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV below guideline requirements 80%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower overall credit is good. |
| 9227667 | XXXXXX | XXXXXX | (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. | 7.26.2025-Client's response: July 24th 2025, 4:55:29 pmplease find the final SS for review.7.26.2025-XXX's response: Received the final HUD1, exception is satisfied. | 7.26.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 50% LTV below guideline requirements 80%.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower overall credit is good. |
| 7046768 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves $XXX, 6.48 mos reserves, 6 mos required |
| 9212922 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP2298 | Missing Second Appraisal | No | The third party appraisal review from an XXX approved vendor or the CU/LCA report reflecting a score of 2.5 or less was missing from the file. | Received CU score 2.2 | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: No derogatory information reflected on the credit profile. |
| 9212934 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 733 FICO exceeds program min allowable of 700.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 6.83% revolving credit utilization. |
| 9216972 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 30.01 months of cash reserves. |
| 9217001 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The automated fraud and data check tool report was not in the file. | Received the fraud report | Satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 26.62 months reserves, Guidelines require 12 months. |
| 9236128 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | The borrowers XXX acct #XXX reflects a large deposit XXX of XXX. This was not sourced. These funds are used for closing and reserves. | Received hud-1 from the sale of property supporting the large deposit. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 31 months reserves after closing. |
| 9236128 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | The borrower appears to be a FTHB and first time investor with no housing history. A rent free letter was provided. No history of previous investment mgmt or housing history was in file. | Per warranty deed the borrower took possession XXX. The XXX property has been owned free and clear for 24 months. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 31 months reserves after closing. |
| 9236119 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | The final 1003 was not in the file. | Received final 1003 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5 months reserves |
| 9236119 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The XXX dated within 10 days prior to closing was not in the file. The Drive report in file did not shown debt monitoring. | Received updated fraud report with XXX | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5 months reserves |
| 9236119 | XXXXXX | XXXXXX | 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 | CRDINC150 | Income docs do not meet guidelines | No | The third party who provided verification of the borrower's XXX was a PTIN and no license was in the file. | Received PTIN license | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5 months reserves |
| 9239938 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The VOM provided was completed by XXX. The owner on title is XXX. The payoff was also to XXX. XXX is not reflected as the lender on the subject mortgage. | Received updated VOM with correct owner reflected | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 16 months reserves after closing.<br>CFCFS2860: Good credit history<br> - XXX Comments: No derogatory information reflected on the credit profile. |
| 9239944 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The UDN dated within 10 days prior to closing was not in the file. The Drive report in the file did not show debt monitoring. | Received update fraud report with XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 0.16% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years and 5 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 12.59% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 64.56 months reserves. |
| 9239944 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Documentation to verify the P&I, insurance and taxes on XXX was not in the file. Audit used the amount from the final 1003 for calculation purposes. | Received final CD for purchase of XXX | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 0.16% revolving credit utilization.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has 10 years and 5 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 12.59% DTI is below program max allowable of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 64.56 months reserves. |
| 9239930 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The hazard insurance effective date was XXX whereas the disbursement date was XXX. | Received updated hazard effective date XXX to XXX | Satisfied | Not Applicable | Not Applicable | (No Data) |
| 9243496 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrowers credit sore is 754 and exceeds guide of 700 |
| 9243466 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 9248233 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 172 months of cash reserves. |
| 9248267 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 8.54 months reserves. |
| 9303117 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26.63 months of cash reserves. |
| 9303121 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | UDN monitoring on the drive report is dated XXX which is more than 10 days prior to closing date. | Received updated XXX | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 5.99% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 9.16% DTI is below program max allowable of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 9.12 months reserves. |
| 9356663 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 23.27 months of cash reserves. |
| 9212957 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 85.84 months of cash reserves. |
| 9239932 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower has less than 1 year experience as an XXX. | Exception approval in file. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 36.74 months reserves. |
| 9303122 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The property insurance policy with premium for the borrower's primary residence was not in the file. | Received hazard and taxes primary | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 6.75% revolving credit utilization.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 29.69 months reserves. |
| 9303122 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 | Received 1008 | Satisified | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 6.75% revolving credit utilization.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 29.69 months reserves. |

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *83* |
| ***Loans with Conditions:*** | *40* |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 9251301 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 9251293 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9217210 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9217211 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9217414 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9217326 | Yes | XXXXXX | XXXXXX D B A | B | A D B | B | A | No |
| 9251281 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 9251260 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9251209 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 9251187 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9251154 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9251122 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9251116 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 9251087 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9222031 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 6866292 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 8442206 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9191067 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9191084 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9191116 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 9191126 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227601 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9191086 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9227577 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9227628 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227582 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227584 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227627 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227579 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9227594 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9227621 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227637 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9227622 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9227641 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227638 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9227600 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227650 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9227580 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9227665 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9227649 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227620 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9227592 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9227663 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9227656 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9227657 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9227585 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9227625 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227612 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9227581 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227624 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227590 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9227655 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227646 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9227614 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9227659 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227595 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227613 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9227639 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9227593 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9227664 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9227661 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9227640 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9227667 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 7046768 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9212922 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9212934 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9216972 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9217001 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9236128 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9236119 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9239938 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9239944 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9239930 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9243496 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9243466 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9248233 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9248267 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9303117 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9303121 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9356663 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9212957 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9239932 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9303122 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4 - Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *83* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 6866292 | XXXXXX | DTI Qualifying (Back) | 40.1000 | 50.0000 |
| 8442206 | XXXXXX | Property Type | SFR | Detached PUD |
| 9227641 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 9227649 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 9227585 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9227661 | XXXXXX | DTI Qualifying (Back) | 20.2300 | 23.4000 |
| 9227661 | XXXXXX | Property Type | SFR | SFR-Attached |
| 9212922 | XXXXXX | Property Type | 2 Family | SFR |
| 9216972 | XXXXXX | Property Type | 2 Family | SFR |
| 9217001 | XXXXXX | Documentation Type | 12 Month BS | DSCR |
| 9217001 | XXXXXX | Property Type | 2 Family | SFR |
| 9236128 | XXXXXX | Property Type | 2 Family | SFR |
| 9236119 | XXXXXX | Property Type | 2 Family | Low Rise Condo (1-4) |
| 9239938 | XXXXXX | Property Type | 2 Family | Detached PUD |
| 9239930 | XXXXXX | Property Type | 2 Family | SFR |
| 9243496 | XXXXXX | Property Type | 2 Family | SFR |
| 9243466 | XXXXXX | Property Type | 2 Family | SFR |
| 9248233 | XXXXXX | Property Type | 2 Family | Detached PUD |
| 9248267 | XXXXXX | Property Type | 2 Family | SFR |
| 9303117 | XXXXXX | Property Type | 2 Family | SFR |
| 9303121 | XXXXXX | Property Type | 2 Family | Detached PUD |
| 9356663 | XXXXXX | Property Type | 2 Family | SFR |
| 9212957 | XXXXXX | Property Type | Detached PUD | Rowhouse |
| 9239932 | XXXXXX | Debt to Income Ratio (Back) | 37.4700 | 44.5466 |
| 9239932 | XXXXXX | Documentation Type | 12 Full Doc | Full Doc |
| 9239932 | XXXXXX | Property Type | Detached PUD | SFR |
| 9303122 | XXXXXX | Debt to Income Ratio (Back) | 9.2100 | 12.2950 |
| 7046768 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9251301 | XXXXXX | Debt to Income Ratio (Back) | 32.4300 | 36.7547 |
| 9217211 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9251281 | XXXXXX | Debt to Income Ratio (Back) | 27.9700 | 36.8464 |
| 9251281 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9251260 | XXXXXX | Property Type | SFR-Attached | SFR |
| 9251209 | XXXXXX | Debt to Income Ratio (Back) | 17.6000 | 9.7025 |
| 9251209 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9251187 | XXXXXX | Debt to Income Ratio (Back) | 16.7100 | 25.7870 |
| 9251187 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 9251122 | XXXXXX | Debt to Income Ratio (Back) | 30.0000 | 38.9079 |
| 9251087 | XXXXXX | Combined LTV | 75.00 | 73.49 |
| 9251087 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9251087 | XXXXXX | Original LTV | 75.00 | 73.49 |

---

&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 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4 - Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *83* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 9251301 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13911.31 | XXXXXX | 8.4726 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9251293 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 35190 | XXXXXX | 7.4764 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9217210 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7201.25 | XXXXXX | 9.6262 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9217211 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 890 | XXXXXX | 7.8809 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 9217414 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9217326 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9409.88 | XXXXXX | 8.7931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9251281 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 600 | XXXXXX | 7.4414 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9251260 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.288 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9251209 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2684 | XXXXXX | 7.0327 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9251187 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9251154 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1890 | XXXXXX | 7.435 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9251122 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14621.12 | XXXXXX | 7.4066 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9251116 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17036 | XXXXXX | 7.4107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9251087 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5883 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9222031 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 36059.6 | XXXXXX | 7.5497 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 7377.72 |
| 6866292 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5694 | XXXXXX | 9.5186 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2538.7 |
| 8442206 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9948.84 | XXXXXX | 8.1981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9191067 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9191084 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9191116 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9191126 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227601 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9191086 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227577 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227628 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227582 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227584 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227627 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227579 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227594 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227621 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227637 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227622 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227641 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227638 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227600 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227650 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227580 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227665 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9227649 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227620 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227592 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227663 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227656 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227657 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227585 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227625 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227612 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227581 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227624 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227590 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.7499 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9227655 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227646 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227614 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227659 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227595 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227613 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227639 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227593 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227664 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9227661 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9227640 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9227667 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7046768 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9212922 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2668 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9212934 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.2343 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9216972 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.445 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9217001 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7143 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9236128 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9236119 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5846.52 | XXXXXX | 7.4537 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9239938 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.1207 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9239944 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4384 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9239930 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5863 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9243496 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9243466 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3575 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9248233 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8379 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9248267 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9303117 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8533 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9303121 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4420.33 | XXXXXX | 7.739 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 35529.49 |
| 9356663 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.0313 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9212957 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3436 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9239932 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.1788 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9303122 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |

---

&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 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4 - Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Valuations Summary** |  |
| *Loans in Report:* | *83* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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** |
| 9251301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 |
| 9251293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | 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) |
| 9217210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9217211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -1.39% | 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% | XXXXXX | XXXXXX | XXXXXX | -1.39% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 9217414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9217326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review |  | $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 |
| 9251281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9251260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.43% |  | $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% | 4.1 |
| 9251209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9251187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9251154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9251122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | 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 |
| 9251116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9251087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9222031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 6866292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 8442206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9191067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9191084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 9191116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9191126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | XXXXXX | XXXXXX | XXXXXX | -7.24% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9227601 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9191086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 9227628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227582 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227637 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 2.16% | 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 |
| 9227622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.27% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9227638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 9227665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227656 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227657 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 9227625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 |
| 9227655 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227614 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 9227659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.58% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9227613 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 9227639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |
| 9227640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9227667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 7046768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9212922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 |
| 9212934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9216972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9217001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9236128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Field Review |  | $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) |
| 9236119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9239938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9239944 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9239930 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9243496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9243466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9248233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Missing |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9248267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9303117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9303121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9356663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9212957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 |
| 9239932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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 |
| 9303122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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 |

---

## Exhibit 99.4

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.4 - Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2025-NQM9** |
| **Start - End Dates:** | **6/16/2023 - 9/17/2025** |
| **Deal Loan Count:** | **83** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| **Total** |  |  |  | **3** |

---

©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 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.5**

**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 Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates through a bulk purchase. The review included a total of 38 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2025-NQM9 (the "Securitization"). The Review was conducted from September 2023 through September 2025 on mortgage loans originated between July 2023 and September 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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 the 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. In relation to cashout refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds of business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&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 guidance 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 (38 loans in total):

Zero (0) loans had a Secondary Appraisal, one (1) loan had an AVM, and fifteen (15) loans had Desktop Reviews. In zero (0) instances, loans had both an AVM and Desk Review(s). Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the thirty-eight (38) mortgage loans reviewed, sixteen (16) unique mortgage loans (42.11% by loan count) had a total of twenty-nine (29) discrepancies across fourteen (14) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy**<br> **Count** | **Percentage** |
| Application Date | 8 | 27.59% |
| Qualifying Total Debt Income Ratio | 5 | 17.24% |
| Credit QM/ATR Designation | 4 | 13.79% |
| Closing/Settlement Date | 2 | 6.90% |
| Qualifying Total Reserves Number of Months | 1 | 3.45% |
| Maturity Date | 1 | 3.45% |
| Number of Borrowers | 1 | 3.45% |
| Qualifying All Borrower Residual Income | 1 | 3.45% |
| Borrower Appraisal Receipt Date | 1 | 3.45% |
| Qualifying FICO | 1 | 3.45% |
| DSCR | 1 | 3.45% |
| As-Is Value | 1 | 3.45% |
| T & I Payment | 1 | 3.45% |
| First Pymt Date | 1 | 3.45% |
| **Grand Total** | **29** | **100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**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;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;38 | &nbsp;&nbsp;$21920294.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;38 | &nbsp;&nbsp;$21920294.00 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results: (As applicable, 21 loans within the population did not receive a Compliance Review)** | &nbsp;&nbsp;**Compliance Results: (As applicable, 21 loans within the population did not receive a Compliance Review)** | &nbsp;&nbsp;**Compliance Results: (As applicable, 21 loans within the population did not receive a Compliance Review)** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;38 | &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 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;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &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 Income Verification does not match Approval | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**44** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &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;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**18** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Cert or Evidence not in a Flood Zone Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**42** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| A | The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| B | The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| C | The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **MSID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| XXXXX | 9125008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/12/2025 | Resolved | XXX-2709 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 3/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125008 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/12/2025 | Resolved | XXX-2710 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 3/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125009 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/12/2025 | Resolved | XXX-2713 | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : XXX | XXX: Uploaded | 3/20/2025 | XXX: Received | 3/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125012 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9204973 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2024 | Resolved | XXX-6268 | Property | Subject Property Lease - Missing or Defective | Missing both leases for subject property: XXX | XX/XX/XXXX XXX: Please see the updated Appraisal showing the other Unit is Vacant. Lease agreement for other Unit has been provided. | XX/XX/XXXX XXX: Please see the updated Appraisal showing the other Unit is Vacant. Lease agreement for other Unit has been provided. | XXX: Lease and appraisal received, DSCR XX/XX/XXXX | 12/30/2024 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9204959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2024 | Resolved | XXX-4866 | Credit | Hazard Insurance Missing or Defective | Hazard insurance policy is missing Lender's name. Please provide updated hazard policy with XXX verbiage | XX/XX/XXXX XXX: Please see attached policy |  | XXX: Received updated HOI | 11/07/2024 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9204959 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2024 | Resolved | XXX-4867 | Credit | Title Insurance Missing or Defective | Preliminary Report missing proposed insured and amount of insurance with XXX verbiage. Please provide the updated title report | XX/XX/XXXX: Final Title Policy |  | XXX: Received title | 11/14/2024 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 6883117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/01/2023 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 6883117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/01/2023 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 6883117 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/01/2023 | Resolved | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. File is missing a self employment business narrative in order to XXX verify expense ratio of XXX% used by the Lender. In addition, the CPA letter does not provide this information. | XX/XX/XXXX - Self employment business narrative provided | 09/13/2023 | The borrower income verification does match approval; exception resolved. | 09/13/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 8081292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 8081292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9014978 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/27/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127706 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/28/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 6949820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/22/2023 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/22/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - 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 XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 6949820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/22/2023 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  | 11/22/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - 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 XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 6949820 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2023 | Resolved |  | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in recording fees without a valid COC | XX/XX/XXXX - Cure package provided; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in recording fees without a valid COC | 11/28/2023 | This loan passed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX do not exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 11/28/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - 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 XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9133593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/13/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing Entity documentation for XXX. Please upload operating agreement, articles of incorporation, certificate of good standing, and EIN. | XXX: XXX | 5/15/2025 | XXX: Entity documents received | 5/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/13/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report. | XXX: FRAUD | 5/15/2025 | XXX: Background report received | 5/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/13/2025 | Resolved | XXX | Property | Appraisal Missing or Defective | Missing Appraisal Report and appraisal review. | XXX: APPRAISAL | 5/15/2025 | XXX: Appraisal received | 5/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/13/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Missing hazard insurance. | XXX: INSURANCE | 5/15/2025 | XXX: Hazard Insurance received | 5/15/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133593 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/15/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing Lease agreement | XXX: lease | 5/16/2025 | XXX: Received | 5/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/19/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement and Articles Of Organization for XXX | XXX: XXX | 5/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/19/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report | XXX: fraud | 5/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/19/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing lease agreement for the subject property : XXX | XXX: lease | 5/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/19/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Missing hazard insurance | XXX: insurance | 5/21/2025 | XXX: Received | 5/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/20/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement and Articles of Organization for Entity: XXX | XXX: operating agreement | 6/23/2025 | XXX: Received trailing docs | 6/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/20/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report For: XXX | XXX: fraud | 6/23/2025 | XXX: Received trailing docs | 6/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/20/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreements for property located at: XXX | XXX: lease | 6/23/2025 | XXX: Received trailing docs | 6/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/20/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Property Located at: XXX | XXX: insurance | 6/23/2025 | XXX: Received trailing docs | 6/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162647 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/8/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreements for subject property located at: XXX | XXX: Lease | 7/10/2025 | XXX: Received lease | 7/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162647 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/8/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: XXX | XXX: Insurance | 7/10/2025 | XXX: Received insurance | 7/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report For XXX | XXX: FRAUD | 6/18/2025 | XXX: Received trailing doc | 6/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/16/2025 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review | XXX: SSR AND APPRAISAL | 6/18/2025 | XXX: Received trailing doc | 6/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133781 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/29/2025 | Resolved | XXX | Credit | Insufficient Assets to Close | XXX assets < XXX minimum liquidity required for XXX months reserves. | XXX | 5/22/2025 | XXX: Sufficient assets received. | 5/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/13/2025 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Title report is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with XXX verbiage. | Uploaded | 5/22/2025 | Received | 5/21/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/13/2025 | Resolved | XXX | Property | Appraisal Missing or Defective | Missing Appraisal Report and appraisal review. | Uploaded | 5/22/2025 | Received | 5/21/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175280 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | XXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133683 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 4/28/2025 | Resolved | XXX | Credit | Insufficient Assets to Close | XXX assets < XXX minimum liquidity required. Bank Statement in file for account #XXX is missing account holders name, therefore unable to apply to total verified assets. | XXX assets < XXX minimum liquidity required. Bank Statement in file for account #XXX is missing account holders name, therefore unable to apply to total verified assets. | XXX assets < XXX minimum liquidity required. Bank Statement in file for account #XXX is missing account holders name, therefore unable to apply to total verified assets. | Rescinded | 5/1/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162735 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/30/2025 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Uploaded Deed | 07/01/2025 | XXX: Received Deed | 07/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/9/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report for XXX | XX/XX/XXXX XXX Fraud report uploaded | 6/11/2025 | XXX: Received | 6/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 6/9/2025 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property located at: XXX | XX/XX/XXXX CDA uploaded | 6/11/2025 | XXX: Received | 6/11/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing Articles Of Organization for XXX. | XX/XX/XXXX | 6/3/2025 | XXX: Received | 6/3/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report | XX/XX/XXXX | 6/2/2025 | XXX: Received | 6/3/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Outdated lease for XXX. Please provide current lease agreement. | XX/XX/XXXX | 6/3/2025 | XXX: Received | 6/3/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review | XX/XX/XXXX | 6/4/2025 | XXX: Received | 6/4/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Property | Flood Cert or Evidence not in a Flood Zone Missing | Missing Flood Certificate For Subject Property : XXX | XX/XX/XXXX | 6/3/2025 | XXX: Received | 6/3/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance missing policy premium amount. | XX/XX/XXXX | 6/3/2025 | XXX: Received | 6/3/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 5/29/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance missing XXX months rent loss coverage. Please provide updated Hazard insurance policy. | XXX- uploaded | 6/3/2025 | XXX: Received | 6/3/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a)(XXX)) | 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 CFR XXX(a)(XXX)). | Document Uploaded. | 06/16/2025 | Evidence of appraisal delivery provided. | 06/16/2025 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9175158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9175158 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| XXXXX | 9175274 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report For: XXX | XXX fraud uploaded | 06/30/2025 | XXX: Received BG | 06/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175274 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XXX cda uploaded | 06/30/2025 | XXX: Received CDA | 06/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175274 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Preliminary Title is MISSING MORTGAGEe Clause after lender's name. Please provide updated title policy with XXX | XXX: title uploaded | 07/02/2025 | XXX: Received title | 07/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175274 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property located at: XXX | XXX lease uploaded | 06/30/2025 | XXX: Received lease | 07/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175273 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing Background Report For: XXX | XXX: Fraud | 06/30/2025 | XXX: Received BG | 06/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175273 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Lease in file expires XX/XX/XXXX XXX, guidelines require no less than XXX month remaining at time of close is required for all units in the subject property. Please provide updated lease agreement. | XXX: Lease Extension | 06/30/2025 | XXX: Received Lease Extension | 06/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175273 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | Title Insurance Coverage - XXX Coverage | Preliminary Title is MISSING MORTGAGEe Clause after lender's name. Please provide updated title policy with XXX | XXX: title | 07/01/2025 | XXX: Received title | 07/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162732 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162732 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162732 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. The file is missing the XXX Appraisal used to qualify. | Document Uploaded. | 07/08/2025 | Appraisal is Present or is Waived; An Appraisal Report for the subject property was received. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a copy of the required Secondary appraisal product, or evidence of a FNMA SSR score of XX/XX/XXXX or lower. | Document Uploaded. | 07/08/2025 | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; SSR Report with a CU score of XXX was received. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9162832 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| XXXXX | 9175161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Please provide 3rd Party VOE. | Document Uploaded. | 07/03/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Verbal VOE received for the borrower dated XX/XX/XXXX. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9175161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Please provide Appraisal Report. | Document Uploaded. | 07/03/2025 | Appraisal is Present or is Waived; Appraisal received for the subject property supporting a value of XXX | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9175161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Document Uploaded. ; Document Uploaded. | 07/07/2025 | Third Party Fraud Report is provided; Received updated fraud report for the borrower searching the additional excluded parties. No match. ; Fraud report received for the borrower. Title company - Res/Title, Inc and Escrow officer XXX was not searched against the exclusionary list. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9175161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide evidence the Affiliates Business disclosure was sent within XXX days of the | Document Uploaded. | 07/07/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9175161 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/01/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 07/03/2025 | Borrower 1 Gap Credit Report is not missing.; Gap credit report dated XX/XX/XXXX received for the borrower. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A D | B D | B D | B D | B D | B A | A | A | A | A | A |
| XXXXX | 9218348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218394 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218394 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218394 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218395 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Missing pages XX/XX/XXXX and XX/XX/XXXX for business bank Statement dated XX/XX/XXXX used for income qualification. Also missing pages XX/XX/XXXX and XX/XX/XXXX for the following months XX/XX/XXXX and XX/XX/XXXX. | Document Uploaded. | 08/20/2025 | Lender provided the missing pages to the bank Statements, exception resolved.; Borrower 1 Business Bank Statements Provided | 08/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9218544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the initial CD dated XX/XX/XXXX to XXX on the final CD without valid COC. | Document Uploaded. | 08/20/2025 | valid coc provided; Exception resolved; valid coc provided; Exception resolved | 08/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9218544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant. Appraisal and escrow requirements met | 08/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9218544 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| XXXXX | 9218555 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218555 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218555 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | The subject loan used pension income to qualify. A letter in the loan file States, "expirations of guaranteed period expired XX/XX/XXXX." The file includes a XXX for the pension income for XXX but there is no evidence that the income is continuing. Without the above mentioned income the DTI exceeds XXX% which exceeds the Lender Guideline maximum. | Document Uploaded. | 09/23/2025 | Annuity Statement indicates payments represent lifetime income entitlement for the borrower. | 09/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9389093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9389093 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| XXXXX | 9389107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389107 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(XXX CFR §1026.23(a)(3), transferred from##XXX## §226.23(a)(3)), Open-end [[(XXX CFR §1026.15(a)(3), transferred from##XXX## §226.15(a)(3) he 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##XXX## §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. The Disbursement date on Final CD is XXX and the ROR date is XXX. Please provide a PCCD and or final settlement Statement to verify the loan disbursement date. | Document Uploaded. Hi, loan did not fund until XX/XX/XXXX. | 09/19/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 09/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9389116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery tot he borrower OR Valid COC. The Lender Credit violation is due to the decrease in Lender Credits on the Final CD dated XX/XX/XXXX and no valid COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure Package. | Document Uploaded. | 09/19/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 09/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9389116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9389116 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| XXXXX | 9389188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389188 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389257 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389257 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389257 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.5 - Schedule 2**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| XXXXX | 9125008 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125009 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9125012 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 8081292 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9014978 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9127706 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 6949820 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9133593 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133727 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175350 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9162647 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175343 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133781 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175320 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133683 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175361 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9133624 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175158 |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXXX | 9162832 |  | $XXXXXX A | A | A | A | A | A D | A | A | A | A | A |
| XXXXX | 9175161 |  | $XXXXXX D | B | B | B | B | B D A | A | A | A | A | A |
| XXXXX | 9162732 | XXX | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9162735 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175280 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175273 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9175274 |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9204959 |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 9204973 |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXXX | 6883117 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9218348 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218555 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218395 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9218544 |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| XXXXX | 9218394 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389107 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389116 |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXXX | 9389093 |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXXX | 9389257 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXXX | 9389188 |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **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** |
| XXXXX | 9125008 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.00 | 67.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125009 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9125012 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 8081292 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9014978 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.75% | 68.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXXX | 9127706 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.66% | 64.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX |  |  | XX/XX/XXXX | XXX |  |  | Eligible | 1 |  |
| XXXXX | 6949820 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXXXX | 9133593 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX |  | XXX | XX/XX/XXXX | XXX |  |  | Not Eligible | 0 |  |
| XXXXX | 9133727 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 9175350 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.64% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9162647 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9175343 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.28% | 30.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9133781 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.96% | 72.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9175320 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 71A | $XXX | 34.65% | 34.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 20.79% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXXX | 9133683 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9175361 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 72.41% | 72.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.45% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXXX | 9133624 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXXX | 9175158 |  | XX/XX/XXXX | $XXXXXX |  |  | $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 |  |
| XXXXX | 9162832 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | 9175161 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.0 | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | 9204959 | XXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.14% | 57.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9204973 | XXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.27% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| XXXXX | 9162732 | XXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 9162735 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9175280 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 9175273 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.29% | 60.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 9175274 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 6883117 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9218348 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.29 | 66.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | 9218555 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.3 | 56.3 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 9218395 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9218544 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | 9218394 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.47 | 53.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXXX | 9389107 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 9389116 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.5 | 38.5 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| XXXXX | 9389093 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.81 | 39.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 9389257 |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.77 | 64.77 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 9389188 |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.05 | 21.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.5

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MSID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 8081292 | Application Date | XX/XX/XXXX | XX/XX/XXXX | initial app date is XX/XX/XXXX and the final app date is XX/XX/XXXX |
| XXXXX | 9175158 | Qualifying Total Reserves Number of Months | XXX | XXX | Per the asset Statement. |
| XXXXX | 9175158 | Qualifying All Borrower Residual Income | XXX | XXX | Income and liabilities |
| XXXXX | 9204959 | Qualifying FICO | XXX | XXX | FALSE |
| XXXXX | 9162732 | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| XXXXX | 9162735 | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |
| XXXXX | 9162735 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |
| XXXXX | 9175280 | As-Is Value | XXX | XXX | Appraisal reflects XXX |
| XXXXX | 9175280 | DSCR | XXX | XXX | XXX gross rents / XXX PITIA = XX/XX/XXXX DSCR |
| XXXXX | 9175280 | T & I Payment | XXX | XXX | XXX taxes + XXX insurance= XXX |
| XXXXX | 9218348 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| XXXXX | 9218555 | Number of Borrowers | XXX | XXX | Verified with the note. |
| XXXXX | 9218555 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| XXXXX | 9218395 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| XXXXX | 9218395 | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| XXXXX | 9218544 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| XXXXX | 9218544 | Credit QM/ATR Designation | XXX | XXX | Transaction submitted as Non-QM. |
| XXXXX | 9218544 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to consumer debt monthly payment is higher. |
| XXXXX | 9218394 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| XXXXX | 9218394 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| XXXXX | 9389107 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| XXXXX | 9389116 | Application Date | XX/XX/XXXX | XX/XX/XXXX | The initial 1003 signed by LO XX/XX/XXXX |
| XXXXX | 9389116 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | The loan closing date is XXX/XXX/XXX. Borrowers and Notary executed XXX/XXX/XXX. Closing date changed to match the signature dates. |
| XXXXX | 9389116 | Qualifying Total Debt Income Ratio | XXX | XXX | The bonus income for B2 was adjusted. Lender used XXX months vs XXX months in income calculation. |
| XXXXX | 9389093 | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| XXXXX | 9389257 | Credit QM/ATR Designation | XXX | XXX | Per loan approval |
| XXXXX | 9389257 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| XXXXX | 9389188 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| XXXXX | 9389188 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.6**

![](ex996001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates. The review included a total of 8 newly originated residential mortgage loans, in connection with a MSRM 2025-NQM9 (the "Securitization"). The review began on April 16, 2024, and concluded on July 10, 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Visio's guidelines.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

c. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Affidavit (must state that borrower(s) or if borrower is a business entity, the member(s)
 and/or officer(s) of that business entity, including immediate family members of the
 same, will not reside in the property or claimed as primary or secondary residence)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

a. <u>Review Appraisal</u> 

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

c. On
 the appropriate appraisal form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Determine
 whether the appraised value is supported at or within 90% based on a third-party valuation
 product. If a third-party valuation product is in file, but notes less than 90% of the
 appraised value or an inconclusive value, Digital Risk will review other third-party
 product(s) in the file to ensure the correct value was applied per Client Guidelines.

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

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

d. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

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

f. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 8 properties (8 loans) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Cash Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;8 | &nbsp;&nbsp;$2368700.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan complies 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 complies with all material 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 valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. 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 valuation methodology does not meet applicable published guidelines for the program.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products the lower of the appraised value and reconciliation will be used to establish lending value.<br>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 valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 8 |  |
| **Fields Reviewed** | **Count** | **Percentage** |
| Total Cash Reserves | 1 | 12.50% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 8 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 9229928 | XXXX | Total Cash Reserves | XXXX | XXXX |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 8062055 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 8062055 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 8062055 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229932 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229932 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229932 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229898 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229898 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229898 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229899 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229899 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229899 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229930 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229930 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229930 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229915 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229915 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229915 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229928 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229928 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229928 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229903 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229903 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9229903 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.6 - Schedule 3**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 8062055 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229898 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229899 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229903 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229928 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229930 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229915 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9229932 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.6

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.6 - Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 9229928 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9229932 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9229898 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 8062055 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9229915 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9229903 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9229930 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9229899 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**Selene Diligence LLC ("Selene")<br> Due Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates ("Client"). The review was conducted between January 2025 and September 2025, via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 147 ATR-QM Exempt loans and 87 Non-QM loans for a total of 234 loans the "Final Securitization Population").

*<u>Credit Reviews (234):</u>*

During the Review, Selene performed a credit review on 234 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (234)</u>*

During the Review, Selene performed a compliance review, when applicable on 234 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (234):</u>*

During the Review, Selene performed a property valuation review on 234 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (234):</u>*

During the Review, Selene performed a Data Integrity Review on 234 mortgage loans in the Final Securitization Population.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 234 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;234 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;234 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;234 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;234 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&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, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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>**

Oaktree Funding Non-Agency Advantage, Kind Lending Non-Agency Program Guidelines, CV3 Rental & Rental Portfolio, CV3 Underwriting Procedures, LoanStream Core NonQM, LoanStream One Guide, Oaktree Funding Cash Flow Advantage, Business Purpose Capital – DSCR, Business Purpose Capital - DSCR Cross Collateral, Business Purpose Capital LLC Long Term Rental Underwriting Guidelines, Business Purpose Capital LLC, Oaktree Funding Cash Flow Advantage, Oaktree Funding Titanium Advantage (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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

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

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

&nbsp;&nbsp;**CREDIT REVIEW**

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

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the applicable 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.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

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

● **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.

● **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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

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

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● 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 234 mortgage loans, (ii) a Compliance Review on 234 mortgage loans (iii) a Valuation Review on 234 mortgage loans, and (iv) a Data Integrity Review on 234 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 234 mortgage loans; 234 mortgage loans had a rating grade of A, 0 mortgage loan 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.

***Grades per loan (234 overall loans):***

![](ex997002.jpg)

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

***Final Grades per loan broken out by compliance, credit and property:***

![](ex997003.jpg)

**<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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

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

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

Selene furnished the following reports on this transaction:

1. Selene 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

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

**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

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

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

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

&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;

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

&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;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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

**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):</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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Selene 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, Selene'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;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>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 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;i) <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;j) <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 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.** **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):</u> 

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

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):</u> 

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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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;

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; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **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 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;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

vii) 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;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

x) 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;

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 are discussing 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 SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

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

**4.** **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)).

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

<u>General Ability to Repay</u>

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

Selene reviewed the 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.

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

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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.

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

**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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

 

![](ex997001.jpg)

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.

*MSRM 2025-NQM9 Executive Summary (Selene Diligence)*

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 8995896 |  | XXXX | XXXX A |
| 9082015 |  | XXXX | XXXX C A |
| 9082018 |  | XXXX | XXXX A |
| 9082065 |  | XXXX | XXXX C A |
| 9082067 |  | XXXX | XXXX A |
| 9113537 |  | XXXX | XXXX C A |
| 9120572 |  | XXXX | XXXX A C |
| 9120587 |  | XXXX | XXXX D A |
| 9128068 |  | XXXX | XXXX D C A |
| 9128019 |  | XXXX | XXXX D A |
| 9128042 |  | XXXX | XXXX D A |
| 9186070 |  | XXXX | XXXX A |
| 9226563 |  | XXXX | XXXX A D C |
| 9226564 |  | XXXX | XXXX D A |
| 9226565 |  | XXXX | XXXX D A |
| 9226571 |  | XXXX | XXXX A D |
| 9226572 |  | XXXX | XXXX C D A |
| 9226573 |  | XXXX | XXXX A D |
| 9226574 |  | XXXX | XXXX A |
| 9226576 |  | XXXX | XXXX D A |
| 9226581 |  | XXXX | XXXX A |
| 9226582 |  | XXXX | XXXX D A |
| 9226583 |  | XXXX | XXXX C A |
| 9226588 |  | XXXX | XXXX D A |
| 9226596 |  | XXXX | XXXX D A |
| 9226597 |  | XXXX | XXXX D A |
| 9226602 |  | XXXX | XXXX D A |
| 9226603 |  | XXXX | XXXX A |
| 9226604 |  | XXXX | XXXX D A |
| 9226609 |  | XXXX | XXXX C D A B |
| 9226611 |  | XXXX | XXXX D A |
| 9226612 |  | XXXX | XXXX A |
| 9226614 |  | XXXX | XXXX D A |
| 9226616 |  | XXXX | XXXX D A |
| 9226618 |  | XXXX | XXXX D A |
| 9226621 |  | XXXX | XXXX D A |
| 9226623 |  | XXXX | XXXX A |
| 9226624 |  | XXXX | XXXX D A B |
| 9226627 |  | XXXX | XXXX A D |
| 9226631 |  | XXXX | XXXX D A |
| 9226633 |  | XXXX | XXXX C A B |
| 9226642 |  | XXXX | XXXX C A |
| 9226644 |  | XXXX | XXXX C A B |
| 9226645 |  | XXXX | XXXX C A |
| 9226647 |  | XXXX | XXXX C A |
| 9226650 |  | XXXX | XXXX C A B |
| 9226652 |  | XXXX | XXXX A |
| 9226577 |  | XXXX | XXXX A |
| 9226591 |  | XXXX | XXXX A D |
| 9186228 |  | XXXX | XXXX D A |
| 9186231 |  | XXXX | XXXX A |
| 9186236 |  | XXXX | XXXX C D A |
| 9226570 |  | XXXX | XXXX D A |
| 9226600 |  | XXXX | XXXX C A |
| 9226641 |  | XXXX | XXXX A |
| 9226666 |  | XXXX | XXXX A |
| 9241887 |  | XXXX | XXXX D A |
| 9226680 |  | XXXX | XXXX A |
| 9226566 |  | XXXX | XXXX A |
| 9226568 |  | XXXX | XXXX A |
| 9226586 |  | XXXX | XXXX A |
| 9226587 |  | XXXX | XXXX A |
| 9226589 |  | XXXX | XXXX A |
| 9226592 |  | XXXX | XXXX A |
| 9226594 |  | XXXX | XXXX D A |
| 9226605 |  | XXXX | XXXX A |
| 9226622 |  | XXXX | XXXX A |
| 9226629 |  | XXXX | XXXX A |
| 9226640 |  | XXXX | XXXX B A |
| 9226646 |  | XXXX | XXXX A |
| 9226662 |  | XXXX | XXXX B A |
| 9226664 |  | XXXX | XXXX B A |
| 9226671 |  | XXXX | XXXX A |
| 9226672 |  | XXXX | XXXX A |
| 9226673 |  | XXXX | XXXX A |
| 9226674 |  | XXXX | XXXX A |
| 9226677 |  | XXXX | XXXX A |
| 9226678 |  | XXXX | XXXX A |
| 9226681 |  | XXXX | XXXX A |
| 9241891 |  | XXXX | XXXX D A |
| 9241888 |  | XXXX | XXXX C A B |
| 9241902 |  | XXXX | XXXX A |
| 9241894 |  | XXXX | XXXX C A |
| 9241892 |  | XXXX | XXXX C D A B |
| 9241904 |  | XXXX | XXXX D A |
| 9241890 |  | XXXX | XXXX C A |
| 9241903 |  | XXXX | XXXX A |
| 9241913 |  | XXXX | XXXX C A |
| 9241896 |  | XXXX | XXXX C A B |
| 9241897 |  | XXXX | XXXX C A B |
| 9241898 |  | XXXX | XXXX D C A B |
| 9241907 |  | XXXX | XXXX C A |
| 9241911 |  | XXXX | XXXX A D |
| 9241906 |  | XXXX | XXXX D A |
| 9241920 |  | XXXX | XXXX B D A |
| 9241899 |  | XXXX | XXXX C A B |
| 9230361 |  | XXXX | XXXX A |
| 9230364 |  | XXXX | XXXX A |
| 9230369 |  | XXXX | XXXX A |
| 9230379 |  | XXXX | XXXX A |
| 9230380 |  | XXXX | XXXX A D |
| 9230385 |  | XXXX | XXXX A |
| 9230362 |  | XXXX | XXXX A |
| 9226607 |  | XXXX | XXXX A |
| 9230375 |  | XXXX | XXXX D A |
| 9230381 |  | XXXX | XXXX A |
| 9230382 |  | XXXX | XXXX A |
| 9230383 |  | XXXX | XXXX A |
| 9230384 |  | XXXX | XXXX A |
| 9230386 |  | XXXX | XXXX D A |
| 9230387 |  | XXXX | XXXX A |
| 9230388 |  | XXXX | XXXX A |
| 9230389 |  | XXXX | XXXX D A |
| 9230390 |  | XXXX | XXXX A |
| 9230391 |  | XXXX | XXXX A |
| 9230392 |  | XXXX | XXXX A |
| 9230393 |  | XXXX | XXXX A |
| 9230394 |  | XXXX | XXXX A |
| 9230395 |  | XXXX | XXXX A |
| 9230398 |  | XXXX | XXXX A |
| 9218064 |  | XXXX | XXXX D B A |
| 9218066 |  | XXXX | XXXX C A |
| 9218058 |  | XXXX | XXXX C D A |
| 9218068 |  | XXXX | XXXX D A |
| 9218047 |  | XXXX | XXXX A C |
| 9218050 |  | XXXX | XXXX A D |
| 9218062 |  | XXXX | XXXX C D A |
| 9218051 |  | XXXX | XXXX A D C |
| 9217061 |  | XXXX | XXXX C A B |
| 9246378 |  | XXXX | XXXX C A B |
| 9246413 |  | XXXX | XXXX A |
| 9246417 |  | XXXX | XXXX A |
| 9246428 |  | XXXX | XXXX A |
| 9246430 |  | XXXX | XXXX A |
| 9217093 |  | XXXX | XXXX A D |
| 9218057 |  | XXXX | XXXX D C A |
| 9217121 |  | XXXX | XXXX C A |
| 9218056 |  | XXXX | XXXX C A |
| 9241889 |  | XXXX | XXXX D A B |
| 9218059 |  | XXXX | XXXX D A |
| 9217132 |  | XXXX | XXXX D C A B |
| 9218061 |  | XXXX | XXXX C A |
| 9217032 |  | XXXX | XXXX C A D |
| 9217049 |  | XXXX | XXXX D A C |
| 9218069 |  | XXXX | XXXX D A |
| 9241905 |  | XXXX | XXXX A |
| 9241912 |  | XXXX | XXXX D A B |
| 9241893 |  | XXXX | XXXX D A |
| 9241895 |  | XXXX | XXXX C A |
| 9241901 |  | XXXX | XXXX D A B |
| 9241910 |  | XXXX | XXXX A |
| 9241900 |  | XXXX | XXXX A |
| 9241909 |  | XXXX | XXXX D A |
| 9241917 |  | XXXX | XXXX A |
| 9218055 |  | XXXX | XXXX C A |
| 9218045 |  | XXXX | XXXX C A |
| 9217117 |  | XXXX | XXXX C A D |
| 9218052 |  | XXXX | XXXX A |
| 9217037 |  | XXXX | XXXX C A |
| 9217072 |  | XXXX | XXXX C A |
| 9218067 |  | XXXX | XXXX C A D |
| 9218048 |  | XXXX | XXXX A |
| 9217115 |  | XXXX | XXXX D A C |
| 9217053 |  | XXXX | XXXX C A |
| 9241908 |  | XXXX | XXXX C A B |
| 9241916 |  | XXXX | XXXX C B A |
| 9241915 |  | XXXX | XXXX C A B |
| 9217038 |  | XXXX | XXXX A D |
| 9218065 |  | XXXX | XXXX D A |
| 9217092 |  | XXXX | XXXX C A |
| 9218390 |  | XXXX | XXXX C A |
| 9218571 |  | XXXX | XXXX A C |
| 9218049 |  | XXXX | XXXX C A |
| 9217063 |  | XXXX | XXXX C A |
| 9217027 |  | XXXX | XXXX C A |
| 9217023 |  | XXXX | XXXX D C A |
| 9217033 |  | XXXX | XXXX C A B |
| 9217105 |  | XXXX | XXXX D A |
| 9217090 |  | XXXX | XXXX D A |
| 9217041 |  | XXXX | XXXX C A |
| 9217118 |  | XXXX | XXXX D C A |
| 9217094 |  | XXXX | XXXX C A B |
| 9217087 |  | XXXX | XXXX C A |
| 9217137 |  | XXXX | XXXX C D A |
| 9217125 |  | XXXX | XXXX D A |
| 9217123 |  | XXXX | XXXX D A |
| 9217086 |  | XXXX | XXXX D A |
| 9217021 |  | XXXX | XXXX D A |
| 9217133 |  | XXXX | XXXX C A |
| 9217082 |  | XXXX | XXXX A |
| 9246481 |  | XXXX | XXXX C D A |
| 9217129 |  | XXXX | XXXX A D |
| 9217084 |  | XXXX | XXXX A C |
| 9217029 |  | XXXX | XXXX D A |
| 9217107 |  | XXXX | XXXX C A D |
| 9217051 |  | XXXX | XXXX C A |
| 9217142 |  | XXXX | XXXX D A |
| 9217140 |  | XXXX | XXXX D A B |
| 9218501 |  | XXXX | XXXX A C |
| 9218292 |  | XXXX | XXXX C A |
| 9217113 |  | XXXX | XXXX C A |
| 9217119 |  | XXXX | XXXX C D A |
| 9217085 |  | XXXX | XXXX D A |
| 9246509 |  | XXXX | XXXX C A |
| 9246513 |  | XXXX | XXXX D A |
| 9218480 |  | XXXX | XXXX D A |
| 9217034 |  | XXXX | XXXX C A |
| 9217091 |  | XXXX | XXXX D A |
| 9217048 |  | XXXX | XXXX C D A |
| 9239003 |  | XXXX | XXXX D A |
| 9239116 |  | XXXX | XXXX C A |
| 9239102 |  | XXXX | XXXX A |
| 9239147 |  | XXXX | XXXX C A B |
| 9218482 |  | XXXX | XXXX A C |
| 9217068 |  | XXXX | XXXX D A |
| 9246548 |  | XXXX | XXXX A |
| 9389082 |  | XXXX | XXXX A |
| 9389136 |  | XXXX | XXXX A |
| 9389070 |  | XXXX | XXXX D A |
| 9389158 |  | XXXX | XXXX A |
| 9389074 |  | XXXX | XXXX D A |
| 9389117 |  | XXXX | XXXX A D |
| 9389030 |  | XXXX | XXXX A |
| 9389080 |  | XXXX | XXXX A |
| 9389150 |  | XXXX | XXXX A |
| 9389031 |  | XXXX | XXXX C A |
| 9389249 |  | XXXX | XXXX D A |
| 9389053 |  | XXXX | XXXX A |
| 9389029 |  | XXXX | XXXX A |
| 9389185 |  | XXXX | XXXX A |
| 9389078 |  | XXXX | XXXX A |
| 9389058 |  | XXXX | XXXX D C A |
| 9389142 |  | XXXX | XXXX A D |
| 9218397 |  | XXXX | XXXX C D A |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 8995896 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 9082015 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9082018 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.66 | 72.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9082065 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.04 | 75.04 | XXXX | XXXX |  |  | XXXX | XXXX | -.0964 | AVM |  |  |  |  |  | XXXX | XXXX | -.0964 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9082067 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0433 | AVM |  |  |  |  |  | XXXX | XXXX | .0433 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9113537 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| 9120572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.0 | 68.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9120587 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.36 | 78.36 | XXXX | XXXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9128068 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9128019 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9128042 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9186070 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 9226563 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226564 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226565 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226571 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226573 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0906 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0906 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226574 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226576 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226581 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.85 | 74.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226582 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 78.0 | 78.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226583 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226588 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.26 | 72.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226596 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226597 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.88 | 77.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226602 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226603 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226604 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226609 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226611 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | XXXX | -.0542 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0542 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226612 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.07 | 79.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226614 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226616 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.74 | 45.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226618 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226621 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226623 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226624 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226627 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226631 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226633 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226642 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.07 | 74.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226644 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.23 | 74.23 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226645 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226647 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226650 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0667 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226652 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0597 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0597 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226577 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226591 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9186228 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9186231 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9186236 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226570 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226600 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226641 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226666 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241887 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.68 | 72.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226680 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226566 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 81.63 | 81.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226568 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226586 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226587 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226589 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226592 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226594 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.91 | 69.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226605 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226622 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.69 | 76.69 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226629 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.38 | 49.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226640 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226646 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226662 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226664 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226671 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226672 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226673 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226674 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226677 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | -.0427 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0427 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226678 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226681 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241891 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.55 | 42.55 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241888 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.85 | 50.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241902 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241894 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 63.0 | 63.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241892 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.25 | 51.25 | XXXX | XXXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0833 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241904 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241890 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.71 | 33.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241903 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241913 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241896 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241897 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.81 | 74.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241898 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.93 | 72.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241907 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9241911 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.98 | 79.98 | XXXX | XXXX | .0008 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0008 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 9241906 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241920 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.36 | 61.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241899 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.98 | 89.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230361 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0075 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230364 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230369 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230379 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | 2.5714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230380 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230385 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0508 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230362 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.97 | 73.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9226607 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230375 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230381 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230382 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0606 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0606 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230383 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230384 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 73.0 | 73.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230386 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230387 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230388 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230389 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230390 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230391 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230392 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230393 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230394 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230395 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 68.51 | 68.51 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9230398 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 63.07 | 63.07 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9218064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9218066 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 42.04 | 42.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 9218058 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9218068 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 9218047 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218050 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 9218062 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218051 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 9217061 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9246378 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.84 | 69.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9246413 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.62 | 74.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 9246417 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 9246428 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 9246430 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 9217093 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.57 | 27.57 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9218057 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9217121 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218056 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.2 | 72.2 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 9241889 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.68 | 42.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218059 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.78 | 72.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217132 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9218061 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 9217032 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9217049 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9218069 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 9241905 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.59 | 69.59 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241912 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241893 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241895 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241901 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.29 | 40.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241910 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241900 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241909 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241917 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 53.19 | 53.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9218055 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.75 | 67.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218045 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217117 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9218052 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 9217037 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.57 | 54.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217072 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9218067 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.98 | 52.98 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9218048 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217115 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 9217053 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9241908 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.84 | 74.84 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241916 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9241915 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.6 | 56.6 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 9217038 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9218065 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217092 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218390 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 9218571 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.42 | 78.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| 9218049 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.05 | 72.05 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217063 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.67 | 23.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 9217027 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217023 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217033 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217105 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.97 | 68.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217090 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.72 | 70.72 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9217041 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217094 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217087 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.11 | 77.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9217137 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9217125 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217123 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.89 | 58.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217086 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.25 | 74.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217021 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217133 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.4 | 73.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217082 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9246481 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | -.0813 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0813 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217129 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 9217084 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217029 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.63 | 72.63 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9217107 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.69 | 25.69 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 9217051 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.62 | 77.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217142 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 9217140 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218501 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.6 | 55.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218292 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0794 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0794 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9217113 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.54 | 67.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 9217119 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.63 | 71.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 9217085 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9246509 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 9246513 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9218480 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 9217034 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9217091 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9217048 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9239003 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.56 | 56.56 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9239116 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.57 | 65.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 9239102 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9239147 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0025 | AVM |  |  |  |  |  | XXXX | XXXX | .0025 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9218482 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 9217068 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9246548 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9389082 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389136 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389070 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9389158 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389074 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 48.53 | 48.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389117 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389030 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| 9389080 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9389150 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389031 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 9389249 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9389053 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 9389029 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9389185 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.24 | 63.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 9389078 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 9389058 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.81 | 23.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Medium | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 9389142 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 9218397 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 79.7 | 79.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 8995896 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 8995896 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9082015 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9082015 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9082015 |  |  | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| 9082015 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| 9082015 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9082018 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 9082018 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9082065 |  |  | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9082065 |  |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | XXXX |
| 9082065 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| 9082065 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9082067 |  |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | XXXX |
| 9082067 |  |  | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9113537 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9113537 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9120572 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9120587 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9128068 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9128068 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128068 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128019 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9128019 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128019 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128019 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128042 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9128042 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9128042 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9128042 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9128042 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9186070 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9226563 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226563 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226564 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226565 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226565 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226565 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226571 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226572 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226573 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226574 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226576 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226581 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226581 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226582 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226582 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226582 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226583 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226583 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226588 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226588 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226588 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| 9226596 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226596 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226597 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226597 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226597 |  |  | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 9226602 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226602 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226603 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226603 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226604 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226604 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226609 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226609 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226611 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226612 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226612 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226614 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226614 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226616 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226618 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226618 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226621 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226621 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226623 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226623 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226624 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226624 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226627 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226627 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226631 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226631 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226631 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226633 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226633 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226633 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226642 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226642 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226644 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226644 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226645 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226645 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226647 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226647 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226650 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226650 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226652 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226652 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9226652 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226652 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| 9226577 |  |  | XXXX | Property Type | the1008Page | XXXX | XXXX | XXXX |
| 9226577 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226591 |  |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| 9226591 |  |  | XXXX | Property Type | the1008Page | XXXX | XXXX | XXXX |
| 9226591 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9186228 |  |  | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| 9226570 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226600 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226600 |  |  | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| 9226641 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226666 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9241887 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241887 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226680 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226566 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226568 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226568 |  |  | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 9226568 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226586 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226586 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226587 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226587 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226589 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226592 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226592 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226594 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226605 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226605 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226622 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226622 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226629 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226629 |  |  | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 9226629 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226640 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226640 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226646 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226646 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226662 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226662 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226664 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226664 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226671 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226671 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226672 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226672 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226673 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226673 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226674 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226674 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226681 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226681 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9241891 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241888 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241902 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241894 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241892 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9241904 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241890 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241903 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241913 |  |  | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9241896 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241897 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241898 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9241911 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241906 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9241920 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230361 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230364 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230369 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230379 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230380 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230385 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230362 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230362 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9226607 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9226607 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230375 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230375 |  |  | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 9230375 |  |  | XXXX | Prepayment Penalty | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9230381 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230381 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230382 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230382 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230383 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230383 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230384 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230384 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230386 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230386 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230386 |  |  | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 9230387 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230387 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230388 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230388 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230389 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230389 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230390 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230390 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230391 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230391 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230393 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9230393 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230395 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9230398 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218064 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218064 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218064 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218066 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218066 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218066 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218066 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218058 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218058 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218058 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218068 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218068 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9218068 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9218068 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218068 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218068 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218047 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218062 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218062 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217061 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217061 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217061 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9246378 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| 9246413 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 9246413 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| 9246413 |  |  | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| 9246413 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9246417 |  |  | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| 9246428 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9246428 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217093 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217093 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217093 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218057 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218057 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218057 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218057 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218057 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217121 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217121 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217121 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218056 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9218056 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218056 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218056 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241889 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9218059 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217132 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217132 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217132 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218061 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217032 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217049 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217049 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217049 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218069 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9218069 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218069 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241905 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241912 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241912 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241893 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241895 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241901 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241901 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9241910 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241910 |  |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9241909 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241917 |  |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 9241917 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218055 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218045 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9218045 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217117 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217117 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218052 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217037 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218067 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218067 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9218067 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9218067 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217115 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217115 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217115 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217053 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9241908 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9241916 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9241916 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217038 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217038 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217038 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217038 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217092 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217092 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9217092 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217092 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217092 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218571 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9218571 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9218571 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9218571 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218049 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217063 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217063 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217063 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217027 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217027 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217027 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217023 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217023 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217105 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217105 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217090 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217090 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217090 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217090 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217090 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217041 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217118 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217094 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217094 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217094 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217094 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217087 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217137 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217137 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217137 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217125 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217125 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217123 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217123 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217086 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217086 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217086 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217021 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217021 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217021 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217133 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217133 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217082 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217082 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217082 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217082 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217082 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9246481 |  |  | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 9246481 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| 9246481 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217129 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217129 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217129 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217084 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217084 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217029 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217029 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217029 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217107 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217107 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217107 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217051 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217051 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9217051 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217051 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217051 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217142 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9217142 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217142 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217140 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9217140 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217140 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217140 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218501 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9218501 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218501 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9218501 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9218501 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9218292 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 9218292 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9218292 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217113 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217113 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217113 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217113 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217119 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9217119 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217119 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9246509 |  |  | XXXX | Cash Disbursement Date | hudClosingDetailPage | XXXX | XXXX | XXXX |
| 9246513 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9246513 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9246513 |  |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | XXXX |
| 9218480 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9218480 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9218480 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9218480 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9217034 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9217034 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9217048 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9217048 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217048 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9239003 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9239003 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9239003 |  |  | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| 9239003 |  |  | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| 9239116 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9239102 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 9239102 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 9239102 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9239102 |  |  | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| 9239102 |  |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | XXXX |
| 9239102 |  |  | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| 9218482 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9218482 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9218482 |  |  | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| 9217068 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 9217068 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 9217068 |  |  | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389082 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389136 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389136 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389136 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389136 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389070 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389070 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389070 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389070 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389158 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389158 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389158 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389158 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389158 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389158 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389074 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389117 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389030 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389030 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389030 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389030 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389030 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389080 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389080 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9389080 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389080 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389150 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389150 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389150 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389150 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389150 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389150 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389031 |  |  | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| 9389031 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389031 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389031 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389249 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389249 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389249 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389249 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389249 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389053 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389053 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389053 |  |  | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| 9389053 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389029 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389029 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389029 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389029 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389029 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389185 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9389078 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389078 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389078 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389078 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389078 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389058 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389058 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389058 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389058 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389142 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9389142 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 9389142 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9389142 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9389142 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9389142 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 9218397 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXX | 9082015 |  |  | Closed | 2025-02-24 06:27 | 2025-03-03 23:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025 | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/04/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3467784 | N/A | N/A |
| XXXX | 9082015 |  |  | Closed | 2025-02-24 04:31 | 2025-03-02 23:14 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Title documents provided as property documents, Hence Finding Resolved - Due Diligence Vendor-03/03/2025 <br> Resolved-Title documents provided as property documents, Hence Finding Resolved - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Title documents provided as property documents, Hence Finding Resolved - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. 2/27/25 - WJ - Uploaded prelims for requested properties to verify experience. - Seller-02/28/2025 <br> Open- Borrowers have investment property experience Missing documentation (Property Reports) for the following properties 1.XXXX 2.XXXX 3.XXXX to validate ownership experience per guidelines.<br> - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. 2/27/25 - WJ - Uploaded prelims for requested properties to verify experience. - Seller-02/28/2025 | Resolved-Title documents provided as property documents, Hence Finding Resolved - Due Diligence Vendor-03/03/2025 <br>Resolved-Title documents provided as property documents, Hence Finding Resolved - Due Diligence Vendor-03/03/2025 | XXXX<br> XXXX<br> XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3467302 | N/A | N/A |
| XXXX | 9082065 |  |  | Closed | 2025-03-02 22:46 | 2025-03-05 02:01 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-REO schedules with corresponding property profiles to support experience uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. 3/4/25 - WJ - Uploaded two REO schedules with corresponding property profiles to support experience. \*In original file\* - Seller-03/04/2025 <br>Open-Provide REO Addendum with properties, per approval UW verified borrower experience with 3 properties. Loan application missing REO properties. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. 3/4/25 - WJ - Uploaded two REO schedules with corresponding property profiles to support experience. \*In original file\* - Seller-03/04/2025 | Resolved-REO schedules with corresponding property profiles to support experience uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 | XXXX<br> XXXX<br> XXXX<br> XXXX<br> XXXX<br> XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3509513 | N/A | N/A |
| XXXX | 9113537 |  |  | Closed | 2025-04-07 22:55 | 2025-04-11 04:11 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI in line with updated 1008. Resolved - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-04/10/2025 <br> Open-Audited DTI is 7.7 and Lender DTI is 9.77. The difference is 2.07.<br>This is because lender considered below tradelines twice in final 1003:<br> (1) XXXX revolving acc #XXX<br> (2) XXXX installment acc # XXXX - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-04/10/2025 | Resolved-DTI in line with updated 1008. Resolved - Due Diligence Vendor-04/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3802357 | N/A | N/A |
| XXXX | 9120572 |  |  | Closed | 2025-04-14 00:41 | 2025-04-22 06:29 | Resolved | 1 - Information C A | Compliance | Closing | Lender Company NMLS Status is Unknown or Not Active | Resolved-NMLS Licensing is not required for Business Purpose Lending – DSCR - Due Diligence Vendor-04/22/2025 <br>Ready for Review-NMLS Licensing is not required for Business Purpose Lending – DSCR - Seller-04/21/2025 <br>Open-Lender Company NMLS Status is Unknown NMLS Status is Unknown and not found on NMLS website<br> - Due Diligence Vendor-04/14/2025 | Ready for Review-NMLS Licensing is not required for Business Purpose Lending – DSCR - Seller-04/21/2025 | Resolved-NMLS Licensing is not required for Business Purpose Lending – DSCR - Due Diligence Vendor-04/22/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3852025 | N/A | N/A |
| XXXX | 9120587 |  |  | Closed | 2025-04-30 15:02 | 2025-05-01 14:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/30/2025 <br>Resolved-Updated hud page. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Final HUD-1 Document is Missing. Final Hud is missing from the file Only have the Hud from when borrower purchased the property. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/30/2025 <br>Resolved-Updated hud page. - Due Diligence Vendor-04/30/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4009724 | N/A | N/A |
| XXXX | 9120587 |  |  | Closed | 2025-04-30 14:59 | 2025-04-30 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/30/2025 <br> Resolved-Updated insurance page. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Attached EOI 12-month Coverage Policy #XXXX Effective XXXX-XXXX Paid in FULL XXXX $XXXX Matching Policy Number HIGHLIGHTED in YELLOW - Seller-04/30/2025 <br> Open-Premium amount is missing from the policy provided. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Attached EOI 12-month Coverage Policy #XXXX Effective XXXX-XXXX Paid in FULL XXXX $XXXX Matching Policy Number HIGHLIGHTED in YELLOW - Seller-04/30/2025 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/30/2025 <br>Resolved-Updated insurance page. - Due Diligence Vendor-04/30/2025 | XXXX<br> XXXX<br> XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4009712 | N/A | N/A |
| XXXX | 9120587 |  |  | Closed | 2025-04-14 05:25 | 2025-04-30 16:07 | Resolved | 1 - Information C A | Compliance | Closing | Loan Origination Company NMLS Status is not tied to Loan Originator NMLS | Resolved-NMLS Licensing is not required for Business Purpose Lending – DSCR - Due Diligence Vendor-04/22/2025 <br>Ready for Review-NMLS Licensing is not required for Business Purpose Lending – DSCR - Seller-04/21/2025 <br>Open-Loan Origination Company NMLS Status is Unknown NMLS Status is Unknown and not found on NMLS website<br> - Due Diligence Vendor-04/14/2025 | Ready for Review-NMLS Licensing is not required for Business Purpose Lending – DSCR - Seller-04/21/2025 | Resolved-NMLS Licensing is not required for Business Purpose Lending – DSCR - Due Diligence Vendor-04/22/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 3852931 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 00:30 | 2025-05-01 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE for inquiries reported on credit report has been provided. - Due Diligence Vendor-05/01/2025 <br> Resolved-LOE for inquiries reported on credit report has been provided. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Inquiry LOE - Seller-04/30/2025 <br> Open-Following inquires are reported in credit report ' XXXX, XXXX" but there is no LOX in file. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Inquiry LOE - Seller-04/30/2025 | Resolved-LOE for inquiries reported on credit report has been provided. - Due Diligence Vendor-05/01/2025 <br>Resolved-LOE for inquiries reported on credit report has been provided. - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3875171 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-17 06:32 | 2025-04-22 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-income worksheet provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. B1 Income Calculation Worksheet - Seller-04/21/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Updated Bank Statement Worksheet using March/25 illegible. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. B1 Income Calculation Worksheet - Seller-04/21/2025 | Resolved-income worksheet provided - Due Diligence Vendor-04/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3888349 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 00:50 | 2025-04-22 04:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/21/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/21/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3875231 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 00:30 | 2025-04-22 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/22/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/21/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/21/2025 | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/22/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3875174 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 00:30 | 2025-04-22 04:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/21/2025 | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3875173 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 11:20 | 2025-04-17 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Updated prelim dated 4/4/2025 provided. Resolved. - Due Diligence Vendor-04/17/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Prelim with correct date - Seller-04/17/2025 <br>Open-Title Document is missing prelim in file dated 2/27/2024, please provide updated or final title policy - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Prelim with correct date - Seller-04/17/2025 | Resolved-Updated prelim dated 4/4/2025 provided. Resolved. - Due Diligence Vendor-04/17/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-04/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3880705 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 01:42 | 2025-04-17 07:27 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meet HPML guidelines. Resolved. - Due Diligence Vendor-04/17/2025 <br>Open-This loan meet HPML guidelines. Resolved. - Due Diligence Vendor-04/17/2025 <br>Resolved-. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/16/2025 <br>Open-The loan's (10.18%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#200, Finding reflects escrows. Rate lock date was entered correctly – see Pg#387, 386, 404. An interior and exterior appraisal was completed for this property – see Pg#47-80, the appraisal disclosure was provided to the borrower(s)- see Pg#45, and confirmation the appraisal was delivered to the borrower – see Pg#250. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/16/2025 |  | Resolved-This loan meet HPML guidelines. Resolved. - Due Diligence Vendor-04/17/2025 <br>Resolved-. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/16/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 3875425 | N/A | N/A |
| XXXX | 9128068 |  |  | Closed | 2025-04-16 00:37 | 2025-04-17 06:23 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/16/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in the file - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/16/2025 | Resolved-Loan Collateral Advisor provided, Verified & entered in system - Resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 3875197 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 06:41 | 2025-05-07 06:34 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-UPDATED 1008 dti is now in line - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. 1008 - Updated DTI - Seller-05/06/2025 <br> Open-Audited DTI is 28.78 and lender DTI is 23.92. the difference is 4.86.<br>This is because <br> (1) lender considered tax amount as $XXXX whereas per tax cert it is $XXXX monthly or $XXXX annually per page #576. <br> (2) Lender considered HOA amount as $XXXX whereas per appraisal report it is $XXXX monthly or $XXXX annually. <br> (3) Lender did not consider rent loss amount of $XXXX for REO property per page # 634. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. 1008 - Updated DTI - Seller-05/06/2025 | Resolved-UPDATED 1008 dti is now in line - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025885 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 05:51 | 2025-05-07 06:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Tax cert showing tax rate. This was used to calculate tax amount - Seller-05/06/2025 <br> Open-Missing Evidence of Property Tax tax amount per tax cert on page #576 is $XXXX annually or $XXXX monthly. However lender considered tax amount as $XXXX. Provide proof of documentation validating this $XXXX tax amount. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Tax cert showing tax rate. This was used to calculate tax amount - Seller-05/06/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025536 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 06:30 | 2025-05-07 05:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/06/2025 | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025809 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 06:07 | 2025-05-07 05:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/06/2025 | Resolved-Borrower 1 Gap Credit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025644 | N/A | N/A |
| XXXX | 9128019 |  |  | Closed | 2025-05-02 06:28 | 2025-05-07 05:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 with Asset XXX checking #XXXX removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Updated 1003 – Removing XXXX acct - Seller-05/06/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Provide proof of documentation for XXXX checking #XXXX for the amount of $XXXX as it is missing from file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Updated 1003 – Removing XXXX acct - Seller-05/06/2025 | Resolved-Updated Final 1003 with Asset XXXX checking #XXXX removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4025795 | N/A | N/A |
| XXXX | 9128042 |  |  | Closed | 2025-05-11 05:55 | 2025-08-22 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-05/15/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #366 for checking #XXXX is not reflecting legible numbers to verify eexact numbers. Per the final 1003, the qualifying income was $XXXX. provide correct lender worksheet validating this amount.<br> - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-05/15/2025 | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/16/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4107681 | N/A | N/A |
| XXXX | 9128042 |  |  | Closed | 2025-05-13 10:15 | 2025-05-29 06:04 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal | Resolved-Title Supplement correcting Address City provided. Resolved. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Title Supp showing the correct City name - Seller-05/28/2025 <br> Open-subject address listed on the in file appraisal report reflects XXXX as the city, however, in file Title Report indicates subject city as XXXX. please confirm - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. Title Supp showing the correct City name - Seller-05/28/2025 | Resolved-Title Supplement correcting Address City provided. Resolved. - Due Diligence Vendor-05/29/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4128433 | N/A | N/A |
| XXXX | 9128042 |  |  | Closed | 2025-05-11 06:27 | 2025-05-22 04:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4107725 | N/A | N/A |
| XXXX | 9128042 |  |  | Closed | 2025-05-11 06:27 | 2025-05-22 04:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/21/2025 | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/22/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4107724 | N/A | N/A |
| XXXX | 9128042 |  |  | Closed | 2025-05-11 06:44 | 2025-05-15 22:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/16/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/15/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/15/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/16/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4107767 | N/A | N/A |
| XXXX | 9128042 |  |  | Closed | 2025-05-11 06:32 | 2025-05-14 02:19 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-05/13/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-05/13/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4107731 | N/A | N/A |
| XXXX | 9226563 |  |  | Closed | 2025-06-04 06:17 | 2025-06-05 13:28 | Resolved | 1 - Information C A | Property | Property | Ineligible Property | Resolved- - Due Diligence Vendor-06/05/2025 <br> Resolved-Clarification received. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-This property is a standard row home located in XXXX and should be considered as eligible. Will make a note to specify in current guideline version under review. - Seller-06/05/2025 <br> Open-Property type as per Appraisal doc shows a Single Family Attached, but is not a Townhouse. Per guidelines, eligible properties are: • Single Family Detached residences. • PUD (Planned Unit Development) • 2–4-unit residences • Condominiums (both warrantable and non-warrantable) • Townhomes • 5-8 Unit properties. However, it is not listed as an Ineligible Property Type. - Due Diligence Vendor-06/04/2025 | Ready for Review-This property is a standard row home located in XXXX and should be considered as eligible. Will make a note to specify in current guideline version under review. - Seller-06/05/2025 | Resolved-Clarification received. - Due Diligence Vendor-06/05/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4328772 | N/A | N/A |
| XXXX | 9226563 |  |  | Closed | 2025-06-04 12:20 | 2025-06-05 06:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document identified as the Final (signed by the Settlement Agent) was provided. System updated. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. • The HUD-1A Settlement Statement in file is not marked/stamped as Final, nor is it signed by the Settlement Agent. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Final HUD-1 Document identified as the Final (signed by the Settlement Agent) was provided. System updated. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4334785 | N/A | N/A |
| XXXX | 9226564 |  |  | Closed | 2025-06-04 07:11 | 2025-06-06 07:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Evidence of Property Tax Missing Tax amount in file. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4329305 | N/A | N/A |
| XXXX | 9226564 |  |  | Closed | 2025-06-04 06:45 | 2025-06-06 07:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/06/2025 <br>Resolved-1003 application provided. Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-The Final 1003 is Missing Missing Loan Application in file. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/06/2025 <br>Resolved-1003 application provided. Resolved - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4329024 | N/A | N/A |
| XXXX | 9226564 |  |  | Closed | 2025-06-04 13:45 | 2025-06-05 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Final HUD-1 Document is Missing. HUD in file is for wrong loan amount - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4336633 | N/A | N/A |
| XXXX | 9226565 |  |  | Closed | 2025-06-04 02:39 | 2025-06-06 02:35 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated tax cert provided. DSCR matches now. Resolved<br> - Due Diligence Vendor-06/06/2025 <br> Ready for Review-That is not correct. The Rents are $XXXX. The monthly P&I is $XXXX + taxes $XXXX + Ins $XXXX. PITI payment is $XXXX. $XXXX/$XXXX= XXXX - Seller-06/05/2025 <br> Open-DSCR Discrepancy between Originator DSCR 1.20 and calculated 1.43 due to missing property tax amount in calculation, actual calculation validating the correct DSCR is as follows: Rents of $XXXX/ PITIA of $XXXX= 1.43 DSCR (Evidence of property tax missing in file)<br>The rent schedule appears on page 18, Lease agreement on page 292, 299 & DSCR Worksheet on page 310. - Due Diligence Vendor-06/04/2025 | Ready for Review-That is not correct. The Rents are $XXXX. The monthly P&I is $XXXX + taxes $XXXX + Ins $XXXX. PITI payment is $XXXX. $XXXX/$XXXX = XXXX - Seller-06/05/2025 | Resolved-Updated tax cert provided. DSCR matches now. Resolved<br> - Due Diligence Vendor-06/06/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4327668 | N/A | N/A |
| XXXX | 9226565 |  |  | Closed | 2025-06-03 21:54 | 2025-06-06 02:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Evidence of Property Tax Provide evidence of paid property tax. Evidence of Property Tax Missing. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4326929 | N/A | N/A |
| XXXX | 9226571 |  |  | Closed | 2025-05-29 10:23 | 2025-06-03 05:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust doc uploaded. Resolved - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-The Deed of Trust is Missing Missing DOT Doc in file. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 | Resolved-Deed of Trust doc uploaded. Resolved - Due Diligence Vendor-06/03/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4271475 | N/A | N/A |
| XXXX | 9226572 |  |  | Closed | 2025-05-30 11:11 | 2025-06-16 11:33 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please find attached the two additional Release of Mortgage documents to clear title. - Seller-06/16/2025 <br>Open-Lien releases were not provided only the e-mail that states thy were attached was provided. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Please find attached the two additional Release of Mortgage documents to clear title. - Seller-06/16/2025 | Resolved-Received - Due Diligence Vendor-06/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4285608 | N/A | N/A |
| XXXX | 9226572 |  |  | Closed | 2025-05-29 11:38 | 2025-06-05 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated DOT page. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-The Deed of Trust is Missing Missing DOT Doc in file - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Updated DOT page. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4272609 | N/A | N/A |
| XXXX | 9226573 |  |  | Closed | 2025-05-29 04:23 | 2025-06-05 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Dot Missing, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-The Deed of Trust is Missing Provide Deed of Trust. Deed of Trust Missing. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Dot Missing, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4266591 | N/A | N/A |
| XXXX | 9226576 |  |  | Closed | 2025-05-30 00:27 | 2025-06-06 03:19 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-2-unit property and HOI dwelling covers the loan amount, No master condo required. Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-This is only a 2-unit property, and the Borrower owns both units. The insurance policy in file provides full coverage for each unit. No Master Condo policy required. - Seller-06/05/2025 <br>Open-Missing HO-6 Master Insurance Policy Condo Master Policy is missing in file. - Due Diligence Vendor-05/30/2025 | Ready for Review-This is only a XXXX-unit property, and the Borrower owns both units. The insurance policy in file provides full coverage for each unit. No Master Condo policy required. - Seller-06/05/2025 | Resolved-2-unit property and HOI dwelling covers the loan amount, No master condo required. Resolved - Due Diligence Vendor-06/06/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4278014 | N/A | N/A |
| XXXX | 9226582 |  |  | Closed | 2025-05-30 08:31 | 2025-06-11 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated calculation worksheet provided. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Counter-Calculation worksheet still shows its a rate and term refinance. This is a delayed purchase. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Calculation worksheet in file is for a rate term loan, this is a purchase. Please provide accurate DSCR worksheet. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Updated calculation worksheet provided. - Due Diligence Vendor-06/11/2025 | XXXX |  |  | XXXX | Investment | Delayed Purchase | NA | 4282708 | N/A | N/A |
| XXXX | 9226582 |  |  | Closed | 2025-05-30 00:58 | 2025-06-06 06:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Using XXXX% of cash-out from the purchase covers assets amount. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Borrower received cash-out proceeds of $XXXX of which XXXX% can be used toward reserves. Reserve requirement @ XXXX months is only $XXXX. There is sufficient liquidity to cover reserves. - Seller-06/05/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Provide additional assets/bank statement to qualify required reserves. Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s). - Due Diligence Vendor-05/30/2025 | Ready for Review-Borrower received cash-out proceeds of $XXXX of which XXXX% can be used toward reserves. Reserve requirement @ XXXX months is only $XXXX There is sufficient liquidity to cover reserves. - Seller-06/05/2025 | Resolved-Using XXXX% of cash-out from the purchase covers assets amount. - Due Diligence Vendor-06/06/2025 |  |  |  | XXXX | Investment | Delayed Purchase | NA | 4278117 | N/A | N/A |
| XXXX | 9226582 |  |  | Closed | 2025-05-30 08:27 | 2025-06-06 06:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Conflicting HUDs in file. Please provide final. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Delayed Purchase | NA | 4282647 | N/A | N/A |
| XXXX | 9226583 |  |  | Closed | 2025-05-30 09:53 | 2025-06-09 13:00 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Corrected XXXX Approval/Calculation received, uploaded XXXX 9:43 AM. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Corrected Approval uploaded - Seller-06/09/2025 <br> Counter-The new document attached shows "TOTAL Monthly Property Expenses & Debt Service" as $XXXX (which is correct), but shows "Total Monthly Exp/DS" as $XXXX, which is calculating a DSCR ofXXXX. That is a difference of $XXXX in expenses. Unable to determine if one of these numbers is incorrect, or if there is a missing $XXXX expense not provided. Audit DSCR is the $XXXXrent / $XXXX. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Updated U/W Approval Summary attached. - Seller-06/05/2025 <br> Open-• The Conditional Loan Approval / XXXX Loan Review Checklist provided shows a XXXX of XXXX, but it was based on a P&I of $XXXX (at a XXXX0% rate) and total PITI of $XXXX. Per the Note, the P&I is $XXXX (as a XXXX% rate) and total PITI of $XXXX. This is causing a DSCR calculation discrepancy. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. Corrected Approval uploaded - Seller-06/09/2025 <br>Ready for Review-Document Uploaded. Updated U/W Approval Summary attached. - Seller-06/05/2025 | Resolved-Corrected XXXX Approval/Calculation received, uploadedXXXX. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4284329 | N/A | N/A |
| XXXX | 9226588 |  |  | Closed | 2025-05-29 09:30 | 2025-06-05 03:10 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Second Appraisal is missing, Provided Cda document, with XXXX included Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Rescinded-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Missing Second Appraisal for Securitization in file. - Due Diligence Vendor-05/29/2025 |  | Resolved-Second Appraisal is missing, Provided Cda document, with XXXX included Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Rescinded-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Missing Second Appraisal for Securitization in file. - Due Diligence Vendor-05/29/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4270575 | N/A | N/A |
| XXXX | 9226588 |  |  | Closed | 2025-05-29 09:30 | 2025-06-05 03:09 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second Appraisal for Securitization in file. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4270581 | N/A | N/A |
| XXXX | 9226588 |  |  | Closed | 2025-05-29 09:19 | 2025-06-05 03:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Missing Third Party Market rent doc in file. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4270389 | N/A | N/A |
| XXXX | 9226588 |  |  | Closed | 2025-05-29 09:30 | 2025-06-05 03:06 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is missing, Provided Appraisal document, Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal doc in file. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal is missing, Provided Appraisal document, Changes Made in system, Finding Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4270576 | N/A | N/A |
| XXXX | 9226596 |  |  | Closed | 2025-05-30 07:12 | 2025-06-06 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 <br> Resolved-Received XXXX updated business and DFL page. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Missing third party market rent source is missing from file - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 <br> Resolved-Received XXXX updated business and XXXX page. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4281516 | N/A | N/A |
| XXXX | 9226596 |  |  | Closed | 2025-05-30 07:19 | 2025-06-06 07:21 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Received desk review updated property page. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second Appraisal for Securitization purpose. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Received desk review updated property page. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4281602 | N/A | N/A |
| XXXX | 9226596 |  |  | Closed | 2025-05-30 07:19 | 2025-06-06 07:21 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 <br>Resolved-Appraisal provided. Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal Doc is file - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 <br>Resolved-Appraisal provided. Resolved - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4281591 | N/A | N/A |
| XXXX | 9226597 |  |  | Closed | 2025-05-30 09:35 | 2025-06-05 05:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. • The Market Rent document (XXXX, XXXX, etc) is missing from the loan file. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4284083 | N/A | N/A |
| XXXX | 9226597 |  |  | Closed | 2025-05-30 09:45 | 2025-06-05 05:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is missing, Provided Appraisal document, Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing • The Appraisal (primary valuation) is missing from the loan file. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal is missing, Provided Appraisal document, Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4284226 | N/A | N/A |
| XXXX | 9226597 |  |  | Closed | 2025-05-30 09:45 | 2025-06-05 03:18 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Second Appraisal is missing, Provided Cda document, with XXXX included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations • Secondary Valuation or Additional Valuation for securitization purposes is missing. Per guidelines: "All loans for SFR, XXXX unit properties with a loan amount up to $XXXX require a second property valuation in the form of a XXXX or other comparable desk top valuation approved by XXXX." - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Second Appraisal is missing, Provided Cda document, with XXXX included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4284231 | N/A | N/A |
| XXXX | 9226602 |  |  | Closed | 2025-05-31 02:23 | 2025-06-06 06:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Insurance documentation provided. Resolved - Due Diligence Vendor-06/06/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Hazard Insurance Policy Hazard Insurance doc missing. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Insurance documentation provided. Resolved - Due Diligence Vendor-06/06/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4290951 | N/A | N/A |
| XXXX | 9226604 |  |  | Closed | 2025-05-30 22:46 | 2025-08-08 08:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-08/08/2025 <br>Resolved-Note doc provided. Resolved - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-The Note is Missing Provide Note Document. Note Document Missing. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-The Note is Present - Due Diligence Vendor-08/08/2025 <br>Resolved-Note doc provided. Resolved - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4290871 | N/A | N/A |
| XXXX | 9226604 |  |  | Closed | 2025-05-30 22:52 | 2025-06-09 01:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third Party Market Rent Source provided in uploaded Appraisal , Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Provide Third Party Market Rent. Third Party Market Rent Missing. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Third Party Market Rent Source provided in uploaded Appraisal , Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4290876 | N/A | N/A |
| XXXX | 9226604 |  |  | Closed | 2025-05-30 23:37 | 2025-06-09 01:58 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4290896 | N/A | N/A |
| XXXX | 9226604 |  |  | Closed | 2025-05-30 23:14 | 2025-06-09 01:57 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Provide Appraisal Report. Appraisal report missing in file. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4290881 | N/A | N/A |
| XXXX | 9226609 |  |  | Closed | 2025-05-31 03:44 | 2025-08-06 14:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Received exception for loan amount. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Loan amount does not meet guidelines requirements as per Note doc Loan amount $XXXX As per Guidelines Minimum Loan amount $XXXX. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025 | Waived-Received exception for loan amount. - Due Diligence Vendor-06/11/2025 | XXXX |  | DSCR is XXXX. Minimum required per guidelines is XXXX.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. Excluding the cash-out from the reserves. | XXXX | Investment | Refinance | Cash Out - Other | 4290974 | Originator Pre-Close | Yes |
| XXXX | 9226609 |  |  | Closed | 2025-05-31 03:39 | 2025-06-05 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Final HUD-1 Document is Missing. Missing Final HUD or Final Settlement Statement in file. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4290972 | N/A | N/A |
| XXXX | 9226611 |  |  | Closed | 2025-06-02 10:09 | 2025-06-05 07:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Final HUD-1 Document is Missing. Missing final Hud one in file is the estimated statement - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4300112 | N/A | N/A |
| XXXX | 9226611 |  |  | Closed | 2025-06-02 10:15 | 2025-06-05 06:25 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Updated business page. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Please provide Business Entity EIN. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Updated business page. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4300178 | N/A | N/A |
| XXXX | 9226611 |  |  | Closed | 2025-05-31 06:49 | 2025-06-05 04:38 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Second Appraisal is missing, Provided Cda document, with XXXX included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second Appraisal for Securitization purpose. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Second Appraisal is missing, Provided Cda document, with 1007 included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4291093 | N/A | N/A |
| XXXX | 9226611 |  |  | Closed | 2025-05-31 06:44 | 2025-06-05 04:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-market rent XXXX is missing, Provided Appraisal document, with XXXX included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Third Party Market rent doc missing in File. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-market rent 1007 is missing, Provided Appraisal document, with 1007 included Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4291082 | N/A | N/A |
| XXXX | 9226611 |  |  | Closed | 2025-05-31 06:48 | 2025-06-05 04:38 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is missing, Provided Appraisal document, Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal in file. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal is missing, Provided Appraisal document, Changes Made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4291091 | N/A | N/A |
| XXXX | 9226614 |  |  | Closed | 2025-05-31 09:11 | 2025-06-06 02:32 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Secondary Valuation is missing, Provided XXXX, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second appraisal for Securitization purpose. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Secondary Valuation is missing, Provided CDA, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4291320 | N/A | N/A |
| XXXX | 9226614 |  |  | Closed | 2025-05-31 08:50 | 2025-06-06 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Market Rent XXXX is missing, provided Appraisal XXXX included, Changes made in system, Findings Resolved<br> - Due Diligence Vendor-06/06/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Third party market doc is missing in file. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Market Rent XXXX is missing, provided Appraisal XXXX included, Changes made in system, Findings Resolved<br> - Due Diligence Vendor-06/06/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4291285 | N/A | N/A |
| XXXX | 9226614 |  |  | Closed | 2025-05-31 09:11 | 2025-06-06 02:32 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is missing, Provided the same Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/06/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal in file. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal is missing, Provided the same Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/06/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4291318 | N/A | N/A |
| XXXX | 9226616 |  |  | Closed | 2025-06-02 14:57 | 2025-06-23 07:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Corrected DOT provided. Resolved. - Due Diligence Vendor-06/23/2025 <br>Ready for Review-Document Uploaded. - Seller-06/20/2025 <br>Counter-Executed Corrective DOT not provided. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Open-The Deed of Trust is Missing DOT in file is missing Borrower on page 1 of document. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/20/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025 | Resolved-Corrected DOT provided. Resolved. - Due Diligence Vendor-06/23/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4305297 | N/A | N/A |
| XXXX | 9226616 |  |  | Closed | 2025-05-31 10:18 | 2025-06-06 07:29 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CDA provided. Resolved. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing second appraisal doc in file for securitization purpose. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-XXXX provided. Resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4291445 | N/A | N/A |
| XXXX | 9226616 |  |  | Closed | 2025-05-31 10:18 | 2025-06-06 07:29 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal provided. Resolved. - Due Diligence Vendor-06/06/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal doc in file - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal provided. Resolved. - Due Diligence Vendor-06/06/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4291443 | N/A | N/A |
| XXXX | 9226616 |  |  | Closed | 2025-05-31 10:13 | 2025-06-06 07:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Appraisal with XXXX provided. Resolved. - Due Diligence Vendor-06/06/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Missing Third Party Market rent doc in file. - Due Diligence Vendor-05/31/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal with XXXX provided. Resolved. - Due Diligence Vendor-06/06/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4291425 | N/A | N/A |
| XXXX | 9226618 |  |  | Closed | 2025-05-31 22:10 | 2025-06-05 13:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-1025 Appraisal complete with Market Rents was provided. System updated. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. • The Market Rent document (XXXX, XXXX, etc) is missing from the loan file. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Validation Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-XXXX Appraisal complete with Market Rents was provided. System updated. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4292705 | N/A | N/A |
| XXXX | 9226618 |  |  | Closed | 2025-05-31 22:19 | 2025-06-05 13:13 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CDA provided. System updated. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Second Appraisal/ Valuation is Missing Required for Securitizations • Secondary Valuation or Additional Valuation for securitization purposes is missing. Per guidelines: "All loans for XXXX, XXXX-4 unit properties with a loan amount up to $XXXX require a second property valuation in the form of a CDA or other comparable desk top valuation approved by BPC." - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-XXXX provided. System updated. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4292718 | N/A | N/A |
| XXXX | 9226618 |  |  | Closed | 2025-05-31 22:18 | 2025-06-05 13:13 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-1025 Appraisal complete with Market Rents was provided. System updated. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing • The Appraisal (primary valuation) is missing from the loan file. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-XXXX Appraisal complete with Market Rents was provided. System updated. - Due Diligence Vendor-06/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4292715 | N/A | N/A |
| XXXX | 9226621 |  |  | Closed | 2025-06-01 00:41 | 2025-06-06 07:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Updated property page. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second appraisal for Securitization purpose. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Updated property page. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4293271 | N/A | N/A |
| XXXX | 9226621 |  |  | Closed | 2025-06-01 00:40 | 2025-06-06 07:56 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal doc in file. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4293269 | N/A | N/A |
| XXXX | 9226621 |  |  | Closed | 2025-06-01 00:33 | 2025-06-06 07:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Missing Third Party Market rent Doc in file. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Validation Resolved - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4293263 | N/A | N/A |
| XXXX | 9226624 |  |  | Closed | 2025-06-01 03:27 | 2025-06-09 08:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception for loan amount not meeting minimum guideline requirements of XXXX (XXXX). - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Exception request for minimum loan amount. Compensating factors: (1) Credit score of XXXX; (2) DSCR of XXXX; (3) Borrower has post-closing reserves sufficient to cover XXXX months PITI. - Seller-06/05/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Loan amount does not meet guidelines requirements of $XXXX. - Due Diligence Vendor-06/01/2025 | Ready for Review-Exception request for minimum loan amount. Compensating factors: (1) Credit score of XXXX; (2) DSCR of XXXX; (3) Borrower has post-closing reserves sufficient to cover XXXX months PITI. - Seller-06/05/2025 | Waived-Exception for loan amount not meeting minimum guideline requirements of XXXX (XXXX). - Due Diligence Vendor-06/09/2025 |  |  | (1) Credit score of XXXX; (2) DSCR of XXXX; (3) Borrower has post-closing reserves sufficient to cover XXXX months PITI. | XXXX | Investment | Purchase | NA | 4293601 | Originator Post-Close | No |
| XXXX | 9226624 |  |  | Closed | 2025-06-01 03:10 | 2025-06-09 02:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second appraisal for Securitization Purpose. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4293595 | N/A | N/A |
| XXXX | 9226624 |  |  | Closed | 2025-06-01 02:59 | 2025-06-09 02:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third Party Market Rent Source provided in uploaded Appraisal , Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Missing Third Party Market rent doc in file. - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Third Party Market Rent Source provided in uploaded Appraisal , Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4293588 | N/A | N/A |
| XXXX | 9226624 |  |  | Closed | 2025-06-01 03:10 | 2025-06-09 02:21 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Appraisal is Missing Missing Appraisal doc in file - Due Diligence Vendor-06/01/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Appraisal Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4293593 | N/A | N/A |
| XXXX | 9226627 |  |  | Closed | 2025-06-02 13:07 | 2025-06-10 06:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-The from borrower is missing on the final hud amount borrower paid at closing - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/10/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4303252 | N/A | N/A |
| XXXX | 9226631 |  |  | Closed | 2025-06-03 08:56 | 2025-06-20 06:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-06/20/2025 <br> Resolved-1025 Appraisal with Market Rents listed and a CDA were provided. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. • The Market Rent document (XXXX, XXXX, etc) is missing from the loan file. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Validation Resolved - Due Diligence Vendor-06/20/2025 <br> Resolved-XXXX Appraisal with Market Rents listed and a XXXX were provided. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4312338 | N/A | N/A |
| XXXX | 9226631 |  |  | Closed | 2025-06-02 02:35 | 2025-06-20 06:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-06/06/2025 <br> Resolved-Life Insurance Policy located on page #82. System updated. Assets & Reserves are now sufficient. Issue resolved. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-You are not looking at the correct #. That is the total amount due before applying the loan proceeds. The Due from Borrower amount is $XXXX. In addition to the XXXX account #XXXX, the Borrower also provided a life insurance policy w/ CVLI of $XXXX There are sufficient assets to cover CTC and reserves. - Due Diligence Vendor-06/05/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) • Asset available in file is a XXXX business acct #XXXX with a balance of $XXXX. Per the ALTA Settlement Statement, cash-to-close is $XXXX leaving a total post-close of $XXXX; and reserves needed are $XXXX (XXXX). Loan is short a total of $XXXX in assets. - Due Diligence Vendor-06/05/2025 |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-06/06/2025 <br> Resolved-Life Insurance Policy located on page #82. System updated. Assets & Reserves are now sufficient. Issue resolved. - Due Diligence Vendor-06/05/2025 |  |  |  | XXXX | Investment | Purchase | NA | 4295431 | N/A | N/A |
| XXXX | 9226631 |  |  | Closed | 2025-06-02 02:15 | 2025-06-20 05:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved- - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Document Uploaded. - Seller-06/18/2025 <br>Open-Hazard Insurance Policy Partially Provided • The Evidence of Property Insurance document does not have a policy number listed on it. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/18/2025 |  | XXXX |  | Updated document shows the policy number. Issue resolved. | XXXX | Investment | Purchase | NA | 4295388 | N/A | N/A |
| XXXX | 9226631 |  |  | Closed | 2025-06-02 02:43 | 2025-06-06 06:52 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX Appraisal with Market Rents listed and a CDA were provided. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. Per guidelines: "All loans for SFR, XXXX unit properties with a loan amount up to $XXXX require a second property valuation in the form of a CDA or other comparable desk top valuation approved by BPC." - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-XXXX Appraisal with Market Rents listed and a XXXX were provided. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4295449 | N/A | N/A |
| XXXX | 9226631 |  |  | Closed | 2025-06-02 02:42 | 2025-06-06 06:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-XXXX Appraisal with Market Rents listed and a CDA were provided. No current leases with the borrower. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-This is a purchase transaction. XXXX based on market rents. - Seller-06/05/2025 <br> Open-• The file is missing any/all active lease agreements for the subject property, shown to be a XXXX-unit property. - Due Diligence Vendor-06/02/2025 | Ready for Review-This is a purchase transaction. XXXX based on market rents. - Seller-06/05/2025 | Resolved-XXXX Appraisal with Market Rents listed and a XXXX were provided. No current leases with the borrower. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 |  |  |  | XXXX | Investment | Purchase | NA | 4295448 | N/A | N/A |
| XXXX | 9226631 |  |  | Closed | 2025-06-02 02:04 | 2025-06-06 06:51 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-XXXX Appraisal with Market Rents listed and a XXXX were provided. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Appraisal is Missing • The Appraisal (primary valuation) is missing from the loan file. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-XXXX Appraisal with Market Rents listed and a XXXX were provided. System updated. Issue resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4295346 | N/A | N/A |
| XXXX | 9226633 |  |  | Closed | 2025-06-02 01:23 | 2025-06-09 06:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-UW request for exception for $XXXXloan amount not meeting minimum loan amount of $XXXX for XXXX unit property on guideline XXXX. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Exception request for minimum loan amount. Compensating factors: (1) Credit score of XXXX; (2) DSCR of XXXX; (3) post-closing liquidity to cover XXXX months PITI. - Seller-06/05/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Loan Amount, $XXXX does not meet Minimum Loan amount $XXXX, per GL's. - Due Diligence Vendor-06/02/2025 | Ready for Review-Exception request for minimum loan amount. Compensating factors: (1) Credit score of XXXX; (2) DSCR of XXXX; (3) post-closing liquidity to cover XXXX months PITI. - Seller-06/05/2025 | Waived-UW request for exception for $XXXX loan amount not meeting minimum loan amount of $XXXX for XXXX unit property on guideline XXXX. - Due Diligence Vendor-06/09/2025 |  |  | DSCR XXXX > Minimum .XXXX<br> XXXX+ months reserves > required XXXX months | XXXX | Investment | Purchase | NA | 4295207 | Originator Post-Close | No |
| XXXX | 9226642 |  |  | Closed | 2025-06-03 00:55 | 2025-06-11 07:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Replacement estimate provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. RCE to support sufficient coverage amount attached. - Seller-06/09/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard Insurance with sufficient coverage. Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. RCE to support sufficient coverage amount attached. - Seller-06/09/2025 | Resolved-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Replacement estimate provided. - Due Diligence Vendor-06/13/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4308946 | N/A | N/A |
| XXXX | 9226644 |  |  | Closed | 2025-06-09 06:20 | 2025-06-12 09:45 | Acknowledged | 2 - Non-Material C B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-06/12/2025 <br> Ready for Review-XXXX does not require Spousal Consent - XXXX Comment: Spousal Consent/Community Property States – XXXX does not require a spousal consent for<br> properties financed in community property states. - Seller-06/09/2025 <br> Open-Need spousal consent if borrower is married - Due Diligence Vendor-06/09/2025 <br> Open- - Due Diligence Vendor-06/09/2025 | Ready for Review-XXXX does not require Spousal Consent - XXXX Guideline Comment: Spousal Consent/Community Property States – XXXX does not require a spousal consent for<br> properties financed in community property states. - Seller-06/09/2025 | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the XXXX - Due Diligence Vendor-06/12/2025 |  |  | FICO score XXXX<br> DSCR 1.171 | XXXX | Investment | Refinance | Cash Out - Other | 4377863 | Originator Post-Close | No |
| XXXX | 9226644 |  |  | Closed | 2025-06-03 13:20 | 2025-06-10 05:58 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Updated business page. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Please provide Business Entity XXXX. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Updated business page. - Due Diligence Vendor-06/10/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4318669 | N/A | N/A |
| XXXX | 9226645 |  |  | Closed | 2025-06-04 08:45 | 2025-06-09 06:23 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Need the result for the XXXX hit for XXXX - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4330789 | N/A | N/A |
| XXXX | 9226647 |  |  | Closed | 2025-06-04 02:13 | 2025-06-09 02:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide Final Title Commitment with sufficient coverage. Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/09/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4327613 | N/A | N/A |
| XXXX | 9226650 |  |  | Closed | 2025-06-03 14:04 | 2025-06-09 13:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Have exception for LTV. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Exception request to minimum loan amount - Compensating Factors: (1) Credit score of XXXX; (2) DSCR of XXXX; (3) Total reserves covered by post-closing liquidity = XXXX months. - Seller-06/05/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Loan amount is less than guidelines. - Due Diligence Vendor-06/03/2025 | Ready for Review-Exception request to minimum loan amount - Compensating Factors: (1) Credit score of XXXX; (2) DSCR ofXXXX; (3) Total reserves covered by post-closing liquidity = XXXX months. - Seller-06/05/2025 | Waived-Have exception for LTV. - Due Diligence Vendor-06/09/2025 |  |  | 1. Credit score is at XXXX and minimum needed is XXXX<br> 2. Borrower has XXXX months of reserves, and all that is needed is XXXX months. <br> 3. Borrower has a DSCR ofXXXX and minimum is XXXX | XXXX | Investment | Purchase | NA | 4319574 | Originator Pre-Close | No |
| XXXX | 9226591 |  |  | Closed | 2025-06-03 12:46 | 2025-06-06 07:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Final HUD-1 Document is Missing. Need the executed final Hud the ones in the folder are not signed. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4317801 | N/A | N/A |
| XXXX | 9186228 |  |  | Closed | 2025-06-09 07:23 | 2025-06-24 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-The attached DRIVE report is for both borrowers. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-XXXX - Please rescind finding. Please re-review the document provided. Pg 2 of the Drive report it reflects both XXXX & XXXX. Pg 3 is the borrower profile report for XXXX. Pg 4 is the borrower profile report for XXXX. Pg 5-9 is the employer profile for XXXX XXXX. Pg 9 & 10 is the loan participant analysis it reflects both XXXX & XXXX. Pg 10 is the XXXX report which contains bothXXXX & XXXX - Seller-06/20/2025 <br> Counter-The attached document is for Borrower 1. The DRIVE report document is not in file for Borrower 2. Requesting DRIVE report for Borrower 2. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded.XXXX - Uploaded DataVerify report which reflects both borrowers which was already in the file. - Seller-06/16/2025 <br> Open-Third Party Fraud Report Partially Provided DRIVE scoring results document not in file for co-borrower. - Due Diligence Vendor-06/09/2025 | Ready for Review-6/20 JM - Please rescind finding. Please re-review the document provided. Pg 2 of the Drive report it reflects both XXXX & XXXX. Pg 3 is the borrower profile report for XXXX. Pg 4 is the borrower profile report for XXXX Pg 5-9 is the employer profile for XXXX & XXXX.. Pg 9 & 10 is the loan participant analysis it reflects both XXXX & XXXX.. Pg 10 is the OFAC report which contains both XXXX & XXXX.. - Seller-06/20/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded DataVerify report which reflects both borrowers which was already in the file. - Seller-06/16/2025 | Resolved-The attached DRIVE report is for both borrowers. - Due Diligence Vendor-06/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4378553 | N/A | N/A |
| XXXX | 9186236 |  |  | Closed | 2025-06-10 00:07 | 2025-06-16 10:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final title policy loan amount $XXXX, resolved. - Due Diligence Vendor-06/16/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s). - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title coverage amount is less than loan amount required updated Title report. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025 | Resolved-Final title policy loan amount $XXXX, resolved. - Due Diligence Vendor-06/16/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s). - Due Diligence Vendor-06/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4391110 | N/A | N/A |
| XXXX | 9186236 |  |  | Closed | 2025-06-11 15:50 | 2025-06-16 10:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Please capture Pages for documentation. Loan Agreement, resolved. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Rescind Finding. Page 139 - Seller-06/12/2025 <br>Open-Missing Executed Loan Agreement. - Due Diligence Vendor-06/11/2025 | Ready for Review-Rescind Finding. Page 139 - Seller-06/12/2025 | Resolved-Please capture Pages for documentation. Loan Agreement, resolved. - Due Diligence Vendor-06/16/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4417593 | N/A | N/A |
| XXXX | 9226570 |  |  | Closed | 2025-06-10 14:01 | 2025-06-24 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | FAC: Missing Loan Agreement | Resolved-Received loan agreement Updated business page. - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-06/24/2025 <br>Open-Loan Agreement is missing from the file. - Due Diligence Vendor-06/10/2025 |  | Resolved-Received loan agreement Updated business page. - Due Diligence Vendor-06/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4401707 | N/A | N/A |
| XXXX | 9226570 |  |  | Closed | 2025-06-10 13:58 | 2025-06-17 06:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received signed and executed final HUD updated final Hud page. - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Open-Missing the signed and executed final Hud - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 | Resolved-Received signed and executed final HUD updated final Hud page. - Due Diligence Vendor-06/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4401608 | N/A | N/A |
| XXXX | 9226600 |  |  | Closed | 2025-06-09 04:24 | 2025-06-12 05:46 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-per GLs XXXX requires the borrower provide A statement dated within 60 days - resolved - Due Diligence Vendor-06/12/2025 <br> Ready for Review-XXXX Guidelines only require one month bank statement. - Seller-06/11/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Purchase transaction, only 30 days bank statement available in file. Provide additional bank statement. - Due Diligence Vendor-06/09/2025 | Ready for Review-XXXXGuidelines only require one month bank statement. - Seller-06/11/2025 | Resolved-per GLs XXXX requires the borrower provide A statement dated within 60 days - resolved - Due Diligence Vendor-06/12/2025 |  |  |  | XXXX | Investment | Purchase | NA | 4376837 | N/A | N/A |
| XXXX | 9241887 |  |  | Closed | 2025-06-18 11:47 | 2025-07-17 08:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Counter-The payment amount reflected on the note document does not match the calculation or first payment letter calculation. - Due Diligence Vendor-06/27/2025 <br> Ready for Review-Document Uploaded. see attached email and advise if the attached Note will work or if we need a corrective deed/rider - Seller-06/26/2025 <br> Open-The Note is Incomplete Note P&I amount $XXXX. Calculated payment $XXXX. page 359. Please advise - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. see attached email and advise if the attached Note will work or if we need a corrective deed/rider - Seller-06/26/2025 | Resolved-The Note is Present - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4489686 | N/A | N/A |
| XXXX | 9241887 |  |  | Closed | 2025-06-24 15:14 | 2025-07-16 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Mortgage | Resolved-Mortgage received, maturity date acknowledged. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Mortgage is present however terms on page 3 have a questionable maturity date. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Mortgage received, maturity date acknowledged. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4548879 | N/A | N/A |
| XXXX | 9241887 |  |  | Closed | 2025-06-24 15:50 | 2025-06-30 16:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document received with clarification. - Due Diligence Vendor-06/30/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Hazard Insurance Policy Partially Provided Policy does not cover rent loss. Please update - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025 | Resolved-Document received with clarification. - Due Diligence Vendor-06/30/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4549306 | N/A | N/A |
| XXXX | 9241887 |  |  | Closed | 2025-06-24 15:32 | 2025-06-27 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Document received, data verified. - Due Diligence Vendor-06/27/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/26/2025 <br>Open-The Initial 1003 is Missing The initial 1003 is missing LO signature - Due Diligence Vendor-06/24/2025 |  | Resolved-Document received, data verified. - Due Diligence Vendor-06/27/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/27/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4549100 | N/A | N/A |
| XXXX | 9226594 |  |  | Closed | 2025-06-25 00:38 | 2025-06-26 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Taxes are based off an estimate with removal of the XXXX exemption. No previous tax bill available with that amount. Clietn agrees with our XXXXcalculation and meets guideline requirements. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-The calculated taxes are based off an estimate with removal of the XXXX exemption. No previous tax bill available with that amount. The Borrower purchased the property in XXXX. The XXXX xemption will be removed for XXXX taxes; however, the bill has not been created yet. - Seller-06/26/2025 <br> Open-Provide evidence of paid property tax cert for amount $XXXX/Annually. - Due Diligence Vendor-06/25/2025 | Ready for Review-The calculated taxes are based off an estimate with removal of the XXXX exemption. No previous tax bill available with that amount. The Borrower purchased the property in XXXX The XXXX exemption will be removed for XXXX taxes; however, the bill has not been created yet. - Seller-06/26/2025 | Resolved-Taxes are based off an estimate with removal of theXXXX exemption. No previous tax bill available with that amount. Clietn agrees with our XXXX calculation and meets guideline requirements. - Due Diligence Vendor-06/26/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4551673 | N/A | N/A |
| XXXX | 9226594 |  |  | Closed | 2025-06-25 00:39 | 2025-06-26 13:43 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Client agrees with our XXXX calculations. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Agree with XXXX - Seller-06/26/2025 <br> Open-XXXX Variance due to monthly property tax amount discrepancy. Originator XXXX per XXXX Worksheet & Calculated XXXX Actual calculation validating the correct XXXX is as follows: Rents of $XXXX/ PITIA of $XXXX= XXXX DSCR The rent schedule appears on page 11, Lease agreement on page 185, 332 & XXXXWorksheet on page 224, 225.<br> - Due Diligence Vendor-06/25/2025 | Ready for Review-Agree with XXXX- Seller-06/26/2025 | Resolved-Client agrees with our XXXX calculations. - Due Diligence Vendor-06/26/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4551678 | N/A | N/A |
| XXXX | 9226640 |  |  | Closed | 2025-06-24 11:27 | 2025-08-06 14:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception is for loan amount. Minimum for 2-4 unit is XXXX - Due Diligence Vendor-08/06/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount As per Note, shows $XXXX and Minimum loan amount $XXXX as per Version 3.0 Guidelines. Meeting the requirements. - Due Diligence Vendor-06/24/2025 |  | Waived-Exception is for loan amount. Minimum for 2-4 unit is XXXX - Due Diligence Vendor-08/06/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount As per Note, shows $XXXX and Minimum loan amount $XXXX as per Version 3.0 Guidelines. Meeting the requirements. - Due Diligence Vendor-06/24/2025 |  |  | Borrower has XXXX months of reserves excluding the cash out and max needed is 3 months<br> Score is at 770 and minimum required is 720.<br> XXXX is at XXXX and minimum needed is 0.85 | XXXX | Investment | Delayed Purchase | NA | 4544828 | Originator Pre-Close | No |
| XXXX | 9226662 |  |  | Closed | 2025-06-25 07:14 | 2025-08-06 14:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception is for loan amount not meeting required mount of XXXX - Due Diligence Vendor-08/06/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount As per Matrix Minimum Loan amount $XXXX and Loan have $XXXX loan does not meet requirements. Need supporting doc on same. Updated guidelines minimum loan amount is XXXX finding not needed - Due Diligence Vendor-06/25/2025 |  | Waived-Exception is for loan amount not meeting required mount of XXXX - Due Diligence Vendor-08/06/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount As per Matrix Minimum Loan amount $XXXX and Loan have $XXXX loan does not meet requirements. Need supporting doc on same. Updated guidelines minimum loan amount is XXXX finding not needed - Due Diligence Vendor-06/25/2025 |  |  | XXXX is at 1.669 and minimum needed is 0.85<br> Credit score is at 752 and minimum needed is 720<br> Borrower has 94.65 months of reserves all required is 3 months | XXXX | Investment | Delayed Purchase | NA | 4553886 | Originator Pre-Close | No |
| XXXX | 9226664 |  |  | Closed | 2025-06-25 22:56 | 2025-08-06 14:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception is for loan amount, Minimum required is XXXX for 2-4 unit. - Due Diligence Vendor-08/06/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount Minimum Loan amount as per Matrix $XXXX and Loan have $XXXX which is meeting the requirements hence finding rescinded. - Due Diligence Vendor-06/26/2025 |  | Waived-Exception is for loan amount, Minimum required is XXXX for 2-4 unit. - Due Diligence Vendor-08/06/2025 <br> Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount Minimum Loan amount as per Matrix $XXXX nd Loan have $XXXX which is meeting the requirements hence finding rescinded. - Due Diligence Vendor-06/26/2025 |  |  | Borrower has XXXX months of reserves, all that is required is 3 months.<br> XXXX is at XXXX and minimum needed isXXXX | XXXX | Investment | Refinance | Cash Out - Other | 4566327 | Originator Post-Close | No |
| XXXX | 9241891 |  |  | Closed | 2025-07-03 04:31 | 2025-07-21 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/18/2025 <br> Ready for Review-Uploaded departing final settlement statement. - Buyer-07/18/2025 <br> Counter-Please provide source of EMD amount $XXXX - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Proof of EMD amount $XXXXis missing in file, hence reserves not meet GL requirement. - Due Diligence Vendor-07/03/2025 |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4647416 | N/A | N/A |
| XXXX | 9241891 |  |  | Closed | 2025-07-09 16:01 | 2025-07-21 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/21/2025 <br>Open-Hazard Insurance Policy Partially Provided Binder does not include policy number - Due Diligence Vendor-07/09/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4757401 | N/A | N/A |
| XXXX | 9241888 |  |  | Closed | 2025-07-09 12:13 | 2025-07-14 08:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-The ownership/rent requirement for the primary residence may be waived when the borrower lives rent free in a home owned or leased by their Spouse and/or parents. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements The ownership/rent requirement for the primary residence may be waived when the borrower lives rent free in a home owned or leased by their Spouse and/or parents. Unable to determine relationship on LOX page 301 - Due Diligence Vendor-07/09/2025 |  | Waived-The ownership/rent requirement for the primary residence may be waived when the borrower lives rent free in a home owned or leased by their Spouse and/or parents. - Due Diligence Vendor-07/14/2025 | XXXX |  | Credit Score isXXXX . Minimum required XXXX<br> LTV is XXXX %. Maximum allowed per guidelines is XXXX%. | XXXX | Investment | Purchase | NA | 4752973 | Originator Post-Close | Yes |
| XXXX | 9241894 |  |  | Closed | 2025-07-10 10:05 | 2025-07-15 08:10 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing letter of explanation | Resolved-LOX for vacancy received. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Property just built 2025 and completed. - Buyer-07/14/2025 <br>Open-Please provide LOX for cause of vacancy - Due Diligence Vendor-07/10/2025 |  | Resolved-LOX for vacancy received. - Due Diligence Vendor-07/15/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4767007 | N/A | N/A |
| XXXX | 9241892 |  |  | Closed | 2025-07-10 16:04 | 2025-07-15 08:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Borrower owns the company that is vested on primary - acceptable - Buyer-07/14/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing clarification on guidelines, guidelines state borrower must own their primary, borrower on file has their company owning their primary residence and not solely the borrower - Due Diligence Vendor-07/10/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/15/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4774604 | N/A | N/A |
| XXXX | 9241892 |  |  | Closed | 2025-07-10 15:53 | 2025-07-15 08:26 | Waived | 2 - Non-Material C B | Credit | Credit | Missing subject rental income documentation | Waived-Exception made for missing 2 month bank statements for rental deposits - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/14/2025 <br>Open-Missing 2 month bank statement deposits of rental income - Due Diligence Vendor-07/10/2025 |  | Waived-Exception made for missing 2 month bank statements for rental deposits - Due Diligence Vendor-07/15/2025 | XXXX |  | LTV is XXXX%. Maximum allowed per guidelines is 80%.<br> Credit Score is 785. Minimum required per guidelines is 700.<br> Borrower(s) have 86.73 months Reserves. Minimum required per guidelines is 6 months.<br> XXXX is 1.286. Minimum required per guidelines is 1. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4774415 | Originator Post-Close | Yes |
| XXXX | 9241892 |  |  | Closed | 2025-07-02 21:51 | 2025-07-15 04:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 with LO Signature provided. - Due Diligence Vendor-07/15/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/14/2025 <br>Open-The Initial 1003 is Missing LO Signature is missing in initial 1003 document - Due Diligence Vendor-07/03/2025 |  | Resolved-Initial 1003 with LO Signature provided. - Due Diligence Vendor-07/15/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/15/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4646160 | N/A | N/A |
| XXXX | 9241904 |  |  | Closed | 2025-07-07 04:36 | 2025-07-25 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Narrative received. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/24/2025 <br> Counter-Borrower qualified using business bank statements requiring a business narrative. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-This is a XXXX of a PRIMARY RESIDENCE - Buyer-07/10/2025 <br> Open-XXXX Business Narrative is missing in file. - Due Diligence Vendor-07/07/2025 |  | Resolved-Narrative received. - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4673532 | N/A | N/A |
| XXXX | 9241890 |  |  | Closed | 2025-07-11 08:43 | 2025-07-17 09:05 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br>Resolved-Document and clarification acknowledged. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Please note on the CD, there is NO payoff for the property as the title shows the house is free and clear.<br> Guidelines do not require a housing history on property that are free and clear. This is not a violation of policy. - Buyer-07/16/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide subject VOM - Due Diligence Vendor-07/11/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br>Resolved-Document and clarification acknowledged. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4781418 | N/A | N/A |
| XXXX | 9241903 |  |  | Closed | 2025-07-08 00:36 | 2025-07-08 00:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#596 and the Final Closing disclosure on Pg#433. Rate lock date was entered correctly see Pg#'s 429 An interior and exterior appraisal was completed for this property – see pg 33, 47-50 the appraisal disclosure was provided to the borrower(s)- see Pg#33, 32, 691 and copy of the appraisal was given to the borrower see Pg 33, 32, 691 for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX %).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#596 and the Final Closing disclosure on Pg#433. Rate lock date was entered correctly see Pg#'s 429 An interior and exterior appraisal was completed for this property – see pg 33, 47-50 the appraisal disclosure was provided to the borrower(s)- see Pg#33, 32, 691 and copy of the appraisal was given to the borrower see Pg 33, 32, 691 for the copy of the disclosure. The loan meets XXXX guidelines" - Due Diligence Vendor-07/08/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4718208 | N/A | N/A |
| XXXX | 9241913 |  |  | Closed | 2025-07-09 00:56 | 2025-07-21 01:09 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-pay stubs is Less than 1 months, provided Updated pay stubs, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/18/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided B2 missing 1 month paystubs - Due Diligence Vendor-07/09/2025 |  | Resolved-pay stubs is Less than 1 months, provided Updated pay stubs, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4744531 | N/A | N/A |
| XXXX | 9241896 |  |  | Closed | 2025-07-07 12:25 | 2025-07-17 10:03 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Date clarification received. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. - Due Diligence Vendor-07/07/2025 |  | Resolved-Date clarification received. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4693478 | N/A | N/A |
| XXXX | 9241896 |  |  | Closed | 2025-07-07 11:48 | 2025-07-17 00:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing History, as borrower lives rent free and no lox from the owner of the property, provided rent Free Lox from Owner of the property, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br>Open-Please clarify rent free letter. GL states from spouse and/or parents. page 278 and 280 - Due Diligence Vendor-07/11/2025 <br>Rescinded-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-07/07/2025 |  | Resolved-Unable to verify Housing History, as borrower lives rent free and no lox from the owner of the property, provided rent Free Lox from Owner of the property, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br>Rescinded-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-07/07/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4692593 | N/A | N/A |
| XXXX | 9241896 |  |  | Closed | 2025-07-07 12:42 | 2025-07-11 13:35 | Waived | 2 - Non-Material B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception provided on page #124 made for- Living rent free on a XXXXoan. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception provided on page #124 made for- Living rent free on a XXXX loan. - Due Diligence Vendor-07/07/2025 |  |  | LTV is XXXX %. Maximum allowed per guidelines is 75%<br> Reserves XXXX required 6 | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4693946 | Originator Pre-Close | Yes |
| XXXX | 9241897 |  |  | Closed | 2025-07-07 18:24 | 2025-07-17 10:15 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Date confirmation received - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Open-Final HUD-1 Closing Date of XXXXis not the same date as the Notary Acknowledgement Date ofXXXX. - Due Diligence Vendor-07/08/2025 |  | Resolved-Date confirmation received - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4715947 | N/A | N/A |
| XXXX | 9241897 |  |  | Closed | 2025-07-07 18:00 | 2025-07-17 00:36 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing History, as borrower lives rent free and no lox from the owner of the property, Asked for the same, provided rent Free Lox from Owner of the property, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Please clarify rent free letter asXXXXstates from spouse and/or parents. LOX from borrower's is present on page 283, rent free primary residence page 118.<br> - Due Diligence Vendor-07/08/2025 |  | Resolved-Unable to verify Housing History, as borrower lives rent free and no lox from the owner of the property, Asked for the same, provided rent Free Lox from Owner of the property, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4715858 | N/A | N/A |
| XXXX | 9241897 |  |  | Closed | 2025-07-07 18:26 | 2025-07-11 15:37 | Waived | 2 - Non-Material B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception provided on page #292 made for- Living rent free on a XXXX loan. - Due Diligence Vendor-07/08/2025 |  | Waived-Exception provided on page #292 made for- Living rent free on a XXXX loan. - Due Diligence Vendor-07/08/2025 |  |  | LTV is XXXX %. Maximum allowed per guidelines is XXXX%.<br> Reserves XXXX required 6. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4715963 | Originator Pre-Close | Yes |
| XXXX | 9241898 |  |  | Closed | 2025-07-07 22:41 | 2025-07-22 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding resolved, XXXX disclosure received - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Counter-Notary information is not completely filled out - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br> Counter-Business purpose disclosure missing borrowers initials, check box selection and notary date information missing - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is ''. Business Purpose Affidavit is required for a XXXX loan. Check box and Initial(s) not updated in provided Business Purpose Affidavit. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 | Resolved-Finding resolved, XXXX disclosure received - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4717838 | N/A | N/A |
| XXXX | 9241898 |  |  | Closed | 2025-07-08 00:05 | 2025-07-18 15:38 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Received updated settlement statement, finding resolved - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br>Counter-Provided documents still shows disbursement date prior to closing date, please provide clarification on this discrepancy - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Final HUD-1 Closing Date of 06-24-2025 is not the same date as the Notary Acknowledgement Date of 06-26-2025. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 | Resolved-Received updated settlement statement, finding resolved - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4718134 | N/A | N/A |
| XXXX | 9241898 |  |  | Closed | 2025-07-11 09:41 | 2025-07-18 15:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for subject property being located within 25 miles of the primary residence - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Counter-Per guidelines, subject property cannot be within 25 miles of primary residence - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br>Open-Loan does not conform to program guidelines Subject property is within 25 miles of primary residence - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025 | Waived-Exception made for subject property being located within XXXXmiles of the primary residence - Due Diligence Vendor-07/18/2025 | XXXX |  | Borrower(s) have 30.06 months Reserves. Minimum required per guidelines is 6 months.<br> Experienced investor, owning 4 investments properties | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4787090 | Originator Post-Close | Yes |
| XXXX | 9241898 |  |  | Closed | 2025-07-11 09:53 | 2025-07-11 09:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception made for borrower living rent free on XXXX loan - Due Diligence Vendor-07/11/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception made for borrower living rent free on XXXX loan - Due Diligence Vendor-07/11/2025 |  |  | Borrower(s) have 30.06 months Reserves. Minimum required per guidelines is 6 months.<br> Experienced investor, owning 4 investments properties | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4787327 | Originator Pre-Close | Yes |
| XXXX | 9241907 |  |  | Closed | 2025-07-18 15:09 | 2025-07-22 08:44 | Resolved | 1 - Information C A | Credit | Credit | Spousal Consent Missing | Resolved-Validation Resolved' - Due Diligence Vendor-07/22/2025 <br>Resolved-Grant Deeded received. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/21/2025 <br>Open-Spousal consent not in the file. - Due Diligence Vendor-07/18/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-07/22/2025 <br>Resolved-Grant Deeded received. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4875711 | N/A | N/A |
| XXXX | 9241911 |  |  | Closed | 2025-07-10 03:54 | 2025-07-17 06:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE is missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br>Open-Initial Loan Estimate is missing in file. Required to run the Mavent. - Due Diligence Vendor-07/10/2025 |  | Resolved-Initial LE is missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4761798 | N/A | N/A |
| XXXX | 9241911 |  |  | Closed | 2025-07-09 23:16 | 2025-07-17 06:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br>Open-The Initial 1003 is Missing Initial 1003 is missing in file. - Due Diligence Vendor-07/10/2025 |  | Resolved-Initial 1003 is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4761097 | N/A | N/A |
| XXXX | 9241911 |  |  | Closed | 2025-07-10 03:57 | 2025-07-17 06:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent Proceed document is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Intent is behind the 1003 - Buyer-07/16/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Signed Intent to Proceed Disclosure is missing in file. - Due Diligence Vendor-07/10/2025 |  | Resolved-Intent Proceed document is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4761810 | N/A | N/A |
| XXXX | 9241906 |  |  | Closed | 2025-07-08 05:39 | 2025-08-22 16:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Executed PUD rider received. Finding has been resolved. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br>Open-PUD Rider is Missing in file - Due Diligence Vendor-07/08/2025 |  | Resolved-Executed PUD rider received. Finding has been resolved. - Due Diligence Vendor-08/22/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4719563 | N/A | N/A |
| XXXX | 9241906 |  |  | Closed | 2025-07-11 11:22 | 2025-07-21 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-2nd Appraisal received. Flood updated, HOA present. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Revised Appraisal - Buyer-07/18/2025 <br> Open-Appraisal flood zone is noted as XXXX, flood certificate does not support this zone. Pleas advise. - Due Diligence Vendor-07/11/2025 |  | Resolved-2nd Appraisal received. Flood updated, HOA present. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4788981 | N/A | N/A |
| XXXX | 9241920 |  |  | Closed | 2025-07-08 06:11 | 2025-07-16 03:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/15/2025 <br>Open-Evidence of Rate Lock Missing Evidence of rate lock missing in file. - Due Diligence Vendor-07/08/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/16/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4719859 | N/A | N/A |
| XXXX | 9241920 |  |  | Closed | 2025-07-11 15:40 | 2025-07-11 15:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception made for late payment XXXX- Due Diligence Vendor-07/11/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception made for late payment XXXX - Due Diligence Vendor-07/11/2025 |  |  | Self-employed in same business for 10+ years<br> LTV is XXXX%. Maximum allowed per guidelines is 75%. | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4793711 | Originator Pre-Close | Yes |
| XXXX | 9241899 |  |  | Closed | 2025-07-08 04:45 | 2025-07-18 10:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan Amount < $XXXX- Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br> Ready for Review-Document Uploaded. See the loan amounts we allow on the guidelines - Buyer-07/17/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/08/2025 |  | Waived-Loan Amount < $XXXX- Due Diligence Vendor-07/18/2025 | XXXX |  | Self employed 10+ years<br> Residual income $XXXX required $XXXX | XXXX | Primary Residence | Purchase | NA | 4719166 | Originator Post-Close | Yes |
| XXXX | 9241899 |  |  | Closed | 2025-07-08 05:22 | 2025-07-17 22:21 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan Qualifies with 12 months bank statements, loan Approval shows 24 Months bank statements, provided Updated Loan Approval, Finding Resolved - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/17/2025 <br>Open-As per provided bank statement income qualified with 12 months bank statement, however Approval cert is showing 24 months bank statement. - Due Diligence Vendor-07/08/2025 |  | Resolved-Loan Qualifies with 12 months bank statements, loan Approval shows 24 Months bank statements, provided Updated Loan Approval, Finding Resolved - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4719404 | N/A | N/A |
| XXXX | 9230380 |  |  | Closed | 2025-07-09 13:33 | 2025-07-14 06:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Received updated summary with correct allocated amounts is at XXXX% - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Ready for Review-Can you please clarify which document you are looking at/looking that is showing XXXX% for allocation? - Seller-07/10/2025 <br> Open-For the allocation percentage getting a total of XXXX not XXXX% - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Ready for Review-Can you please clarify which document you are looking at/looking that is showing XXXX% for allocation? - Seller-07/10/2025 | Resolved-Received updated summary with correct allocated amounts is at 100% - Due Diligence Vendor-07/14/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4754828 | N/A | N/A |
| XXXX | 9230380 |  |  | Closed | 2025-07-09 13:20 | 2025-07-14 06:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-07/14/2025 <br>Resolved-Updated hud page - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Final HUD-1 Document is Missing. Need the executed and signed final hud - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-07/14/2025 <br>Resolved-Updated hud page - Due Diligence Vendor-07/14/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4754624 | N/A | N/A |
| XXXX | 9230375 |  |  | Closed | 2025-07-09 08:57 | 2025-07-11 01:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Resolved.1007 document provided. - Due Diligence Vendor-07/11/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. 1007 attached. - Seller-07/10/2025 <br> Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as aXXXX etc. XXXX Document is missing. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. 1007 attached. - Seller-07/10/2025 | Resolved-Resolved.1007 document provided. - Due Diligence Vendor-07/11/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/11/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4748643 | N/A | N/A |
| XXXX | 9230386 |  |  | Closed | 2025-07-11 09:41 | 2025-07-14 06:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Declaration page for subject property provided. Resolved. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Insurance Declaration Page reflecting subject property coverage and mortgagee clause misisng. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025 | Resolved-Declaration page for subject property provided. Resolved. - Due Diligence Vendor-07/14/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4787105 | N/A | N/A |
| XXXX | 9230389 |  |  | Closed | 2025-07-11 12:16 | 2025-07-16 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Quit Claim Deed provided. Resolved. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Open-Executed Quit Claim Deed transferring property to Borrowing entity missing from file. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Quit Claim Deed provided. Resolved. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4790048 | N/A | N/A |
| XXXX | 9230389 |  |  | Closed | 2025-07-11 12:23 | 2025-07-16 06:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Complete DOT provided. Resolved. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Exhibit A of the Deed of Trust, page 33 of Loan Docs-XXXX, is not complete. All entries left blank. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Complete DOT provided. Resolved. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4790204 | N/A | N/A |
| XXXX | 9218064 |  |  | Closed | 2025-07-15 13:44 | 2025-07-29 07:12 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Updated employment page and income as well as the DTI on XXXX page. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Updated Income worksheet with 1003/1008. UW Notes - I backed out the $XXXX deposit. On the $XXXXdeposit, I do not believe that $XXXXis an excessive deposit for a XXXX, in addition several months in the 12 months provided the Borrower deposits well over $XXXX. <br>- Seller-07/25/2025 <br> Open-Deposits in 10/2024 statement is greater than 50% of borrower income and need source of the funds for 8,800 and 51,000 - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Updated Income worksheet with 1003/1008. XXXX Notes - I backed out the $XXXX deposit. On the $XXXX deposit, I do not believe that $XXXX is an excessive deposit for a XXXX, in addition several months in the 12 months provided the Borrower deposits well over $XXXX. <br>- Seller-07/25/2025 | Resolved-Updated employment page and income as well as the DTI on XXXX page. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4826678 | N/A | N/A |
| XXXX | 9218064 |  |  | Closed | 2025-07-13 01:37 | 2025-07-29 07:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.56 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/29/2025 <br> Resolved-Updated bank statements provided. Resolved - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Notes from UW <br> XXXX $XXXX<br> XXXX $ XXXX<br> required reserves- PITI $XXXX x3 months = $XXXX<br> Total verified reserves $XXXX – statements attached <br> - Seller-07/25/2025 <br> Open-Audited Reserves of 2.34 month(s) are less than Guideline Required Reserves of 3 month(s) Per GL matrix, for A+ program with 80% LTVC, 3 months reserves are required. However, loan file has 2.34 months reserves only and short by $XXXX. - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. Notes from XXXX<br> XXXX $XXXX<br> XXXX $ XXXX<br> required reserves- PITI $XXXXx3 months = $XXXX<br> Total verified reserves $XXXX – statements attached <br> - Seller-07/25/2025 | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-07/29/2025 <br> Resolved-Updated bank statements provided. Resolved - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4797958 | N/A | N/A |
| XXXX | 9218064 |  |  | Closed | 2025-07-13 01:10 | 2025-07-29 07:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-07/29/2025 <br>Resolved-Income Worksheet provided. Resolved<br> - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. B2 Income Calculations - Seller-07/25/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheet for B2 as it is missing from file. - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. B2 Income Calculations - Seller-07/25/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-07/29/2025 <br>Resolved-Income Worksheet provided. Resolved<br> - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4797951 | N/A | N/A |
| XXXX | 9218064 |  |  | Closed | 2025-07-13 01:39 | 2025-07-18 00:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/17/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline on page 32 a clear fraud report is required. The fraud report in file (page 316) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/17/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4797959 | N/A | N/A |
| XXXX | 9218064 |  |  | Closed | 2025-07-15 13:56 | 2025-07-17 14:17 | Resolved | 1 - Information B A | Compliance | Disclosure | First Payment Date more than Two Months after Settlement Date | Resolved-Both XXXXnd XXXX show 31 days all interest is accounted for. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We disagree with the findings. The loan closed in accordance with our policies, as the first payment date is typically due on the first of the month following a full calendar month after closing. It just so happens that XXXX and XXXX both have 31 days. We disclosed everything accordingly to the borrower and they signed and acknowledged all documents.<br> Can you please give an exception to allow 61 days on this loan?<br> Also, we did some online research (see attached) and we believe it is helpful - Seller-07/16/2025 <br> Open-First payment date is greater than 60 days loan disbursed on XXXX payment date XXXX days from the Note date. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Compliance Response: We disagree with the findings. The loan closed in accordance with our policies, as the first payment date is typically due on the first of the month following a full calendar month after closing. It just so happens that XXXX and XXXX both have 31 days. We disclosed everything accordingly to the borrower and they signed and acknowledged all documents.<br> Can you please give an exception to allow 61 days on this loan?<br> Also, we did some online research (see attached) and we believe it is helpful - Seller-07/16/2025 | Resolved-Both July and August show 31 days all interest is accounted for. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4826899 | N/A | N/A |
| XXXX | 9218066 |  |  | Closed | 2025-07-12 01:10 | 2025-07-17 04:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Connect Alerts Summary document shows a total of 3 High alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/16/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4795854 | N/A | N/A |
| XXXX | 9218058 |  |  | Closed | 2025-07-13 04:18 | 2025-07-21 05:21 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Per guides we can use Cost to New on the appraisal and insurance covers over this amount, Hazard Insurance Coverage Amount of $XXXX is greater than Required Coverage Amount of $XXXX Verified - Resolved - Due Diligence Vendor-07/21/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. XXXX Response: Per guides we can use Cost to New on the appraisal and insurance covers over this amount - Seller-07/18/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'N/A' Provide XXXX document as hazard coverage amount of $XXXX is not for the full loan amount of $XXXX. - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. XXXX Response: Per guides we can use Cost to New on the appraisal and insurance covers over this amount - Seller-07/18/2025 | Resolved-Per guides we can use Cost to New on the appraisal and insurance covers over this amount, Hazard Insurance Coverage Amount of $XXXXis greater than Required Coverage Amount of $XXXX Verified - Resolved - Due Diligence Vendor-07/21/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4798011 | N/A | N/A |
| XXXX | 9218058 |  |  | Closed | 2025-07-13 03:38 | 2025-07-17 07:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Seller-07/16/2025 <br>Open-The Final 1003 is Missing Provide final 1003 as it is missing from file. - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. Final 1003 - Seller-07/16/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4797995 | N/A | N/A |
| XXXX | 9218068 |  |  | Closed | 2025-07-13 02:58 | 2025-07-23 07:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 with assets removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Updated 1003 removed assets - Seller-07/18/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements • Retirement Funds from XXXX of $XXXX , per the Final 1003, supporting document is missing from the file. - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. Updated 1003 removed assets - Seller-07/18/2025 | Resolved-Updated Final 1003 with assets removed uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4797986 | N/A | N/A |
| XXXX | 9218068 |  |  | Closed | 2025-07-13 02:03 | 2025-07-23 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Waged Income Calculator received. Validation Resolved. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Income Calculations - Seller-07/22/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • (1) Borrower1 Wage Income lender income worksheet is missing from the file. (2) Borrower2 Bank Statement income working is not legible due to errors with the upload. - Due Diligence Vendor-07/13/2025 | Ready for Review-Document Uploaded. Income Calculations - Seller-07/22/2025 | Resolved-Waged Income Calculator received. Validation Resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4797963 | N/A | N/A |
| XXXX | 9218068 |  |  | Closed | 2025-07-16 09:49 | 2025-07-21 06:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/18/2025 <br> Open-The 1008 document is missing from the loan file. • The subject property Homeowners Insurance amount does not match the rest of the file. Per the 1008, the amount is $XXXX monthly. Per the Closing Instructions & Closing Worksheet, it is $XXXX per month. Per the Insurance Declaration page, insurance is $XXXX annually ($XXXX monthly). - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/18/2025 | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4836666 | N/A | N/A |
| XXXX | 9218068 |  |  | Closed | 2025-07-16 09:21 | 2025-07-21 06:18 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/18/2025 <br> Open-Qualifying FICO on the 1008 Page is '777' or blank, but the Qualifying FICO from the Credit Liabilities Page is '793' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "XXXX The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." Bwr1 earns $XXXX in income and Bwr2 earns over $XXXX in income. Therefore, Bwr2's FICO score should be used. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/18/2025 | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4836021 | N/A | N/A |
| XXXX | 9218047 |  |  | Closed | 2025-07-14 03:58 | 2025-07-17 06:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-CoC provided and updated. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Valid COC on 7/3 due to a lock extension impacting the lender credit - Seller-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX. The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX and comments XXXX); XXXX). Lender credits are decreased from $XXXX (initial CD) to $XXXX (final CD). Provide a valid COC to cure this. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Valid COC on XXXX due to a lock extension impacting the lender credit - Seller-07/16/2025 | Resolved-CoC provided and updated. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4800274 | N/A | N/A |
| XXXX | 9218047 |  |  | Closed | 2025-07-14 03:58 | 2025-07-17 06:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 428 and the Final Closing disclosure on page # 184-188 reflects escrows. Rate lock date was entered correctly – see page # 447. An interior and exterior appraisal was completed for this property – see page # 23-49 and the appraisal disclosure was provided to the borrower(s)- see page # 21, 22 and confirmation the appraisal was delivered to the borrower(s) - see page # 21, 22. The loan meets HPML guidelines. - Due Diligence Vendor-07/17/2025 <br> Resolved-The loan's XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX This loan failed the higher-priced mortgage loan test. (XXXX)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 XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 428 and the Final Closing disclosure on page # 184-188 reflects escrows. Rate lock date was entered correctly – see page # 447. An interior and exterior appraisal was completed for this property – see page # 23-49 and the appraisal disclosure was provided to the borrower(s)- see page # 21, 22 and confirmation the appraisal was delivered to the borrower(s) - see page # 21, 22. The loan meets XXXX guidelines. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 428 and the Final Closing disclosure on page # 184-188 reflects escrows. Rate lock date was entered correctly – see page # 447. An interior and exterior appraisal was completed for this property – see page # 23-49 and the appraisal disclosure was provided to the borrower(s)- see page # 21, 22 and confirmation the appraisal was delivered to the borrower(s) - see page # 21, 22. The loan meets HPML guidelines. - Due Diligence Vendor-07/17/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 428 and the Final Closing disclosure on page # 184-188 reflects escrows. Rate lock date was entered correctly – see page # 447. An interior and exterior appraisal was completed for this property – see page # 23-49 and the appraisal disclosure was provided to the borrower(s)- see page # 21, 22 and confirmation the appraisal was delivered to the borrower(s) - see page # 21, 22. The loan meets HPML guidelines. - Due Diligence Vendor-07/14/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4800275 | N/A | N/A |
| XXXX | 9218050 |  |  | Closed | 2025-07-14 05:48 | 2025-07-17 01:53 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Initial Escrow Account Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. IEADS - Seller-07/16/2025 <br>Open-Provide Initial Escrow Account Disclosure (IEAD) doc as tax and insurances are being escrowed but IEAD is missing from file. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. IEADS - Seller-07/16/2025 | Resolved-Initial Escrow Account Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4801458 | N/A | N/A |
| XXXX | 9218050 |  |  | Closed | 2025-07-14 04:27 | 2025-07-17 01:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Seller-07/16/2025 <br>Open-The Final 1003 is Missing Provide final 1003 as it is missing from file. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Final 1003 - Seller-07/16/2025 | Resolved-Updated Final 1003 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/17/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4800360 | N/A | N/A |
| XXXX | 9218062 |  |  | Closed | 2025-07-14 23:10 | 2025-07-25 11:25 | Resolved | 1 - Information C A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-With lender's explanation, resolving. Issue benefits the borrower; and the issue will be corrected by next Escrow Analysis. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-UW Response: This is going down by less than a $XXXX . The overage paid on the Settlement Statement ($XXXX) will be refunded to the borrower by the insurance company and little that the borrower is paying over will be re-assessed when escrows are re-assessed at the end of the year. <br> Please accept so we don't have to get re-signed docs for less than a $XXXX if possible. <br> - Seller-07/25/2025 <br> Counter-The Hazard Insurance document still shows $XXXX, but all closing docs (IEAD, HUD, Final CD, and First Payment Letter) considered $XXXX. That is a difference of $XXXX. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Insurance - Seller-07/22/2025 <br> Open-• Per the Hazard Insurance Certificate of Insurance, the annual premium is $XXXX(XXXXmonthly), but all closing docs (IEAD, HUD, Final CD, and First Payment Letter) considered as $XXXX($XXXX monthly). Either (1) there is a missing Insurance document to validate a $XXXXamount instead of $XXXX; or (2) the IEAD, HUD, Final CD, and First Payment Letter all used an incorrect amount. - Due Diligence Vendor-07/15/2025 | Ready for Review-XXXX Response: This is going down by less than a $XXXX The overage paid on the Settlement Statement ($XXXX) will be refunded to the borrower by the insurance company and little that the borrower is paying over will be re-assessed when escrows are re-assessed at the end of the year. <br> Please accept so we don't have to get re-signed docs for less than a $XXXX if possible. <br> - Seller-07/25/2025 <br> Ready for Review-Document Uploaded. Insurance - Seller-07/22/2025 | Resolved-With lender's explanation, resolving. Issue benefits the borrower; and the issue will be corrected by next Escrow Analysis. - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4815173 | N/A | N/A |
| XXXX | 9218062 |  |  | Closed | 2025-07-14 21:35 | 2025-07-25 11:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003, executed, was received. System updated, including the correct Application Date. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Initial 1003 - Seller-07/25/2025 <br>Open-The Initial 1003 is Missing • The Borrower and Loan Officer signed Initial 1003 is missing in the file. The document provided was unsigned. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Initial 1003 - Seller-07/25/2025 | Resolved-The Initial 1003, executed, was received. System updated, including the correct Application Date. - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4814439 | N/A | N/A |
| XXXX | 9218062 |  |  | Closed | 2025-07-14 22:36 | 2025-07-23 04:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 3 High alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4814966 | N/A | N/A |
| XXXX | 9218062 |  |  | Closed | 2025-07-14 21:45 | 2025-07-17 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Prepay Rider was received. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-07/17/2025 <br>Open-• The Prepayment Rider to the mortgage is missing in the file. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-07/17/2025 | Resolved-Prepay Rider was received. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4814444 | N/A | N/A |
| XXXX | 9218062 |  |  | Closed | 2025-07-17 07:10 | 2025-07-17 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Settlement Statement, signed by Settlement Agent, was received. System updated. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Certified copy of Final HUD from title - Seller-07/17/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. • There is a Final CD dated 7/08/2025 in file, but was signed on 7/03/2025 (the date of Closing). The Cash to Close amount on that CD does not match any HUD-1 Settlement Statement in file. Unable to determine from the information in file which document is truly certified as the Final. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Certified copy of Final HUD from title - Seller-07/17/2025 | Resolved-Final HUD-1 Settlement Statement, signed by Settlement Agent, was received. System updated. - Due Diligence Vendor-07/17/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4849729 | N/A | N/A |
| XXXX | 9218051 |  |  | Closed | 2025-07-15 06:36 | 2025-07-23 08:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 with mixed use property marked as "No" uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-07/22/2025 <br> Open-The Final 1003 is Incomplete Provide updated Final 1003. Final 1003 states mixed-use property "Yes", XXXX mixed use properties are not allowed. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Updated 1003 - Seller-07/22/2025 | Resolved-Updated Final 1003 with mixed use property marked as "No" uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4817137 | N/A | N/A |
| XXXX | 9218051 |  |  | Closed | 2025-07-15 03:48 | 2025-07-18 01:45 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/17/2025 <br> Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/17/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4816041 | N/A | N/A |
| XXXX | 9218051 |  |  | Closed | 2025-07-15 03:30 | 2025-07-23 08:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 364 and the Final Closing disclosure on Pg 151, Finding reflects escrows. Rate lock date was entered correctly – see Pg 387. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg 207, and confirmation the appraisal was delivered to the borrower – see Pg 41-42. The loan meets XXXX guidelines, resolved. <br> - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved- - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX1))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 inXXXXsome lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 364 and the Final Closing disclosure on Pg 151, Finding reflects escrows. Rate lock date was entered correctly – see Pg 387. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg 207, and confirmation the appraisal was delivered to the borrower – see Pg 41-42. The loan meets XXXX guidelines, resolved. <br> - Due Diligence Vendor-07/15/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4815877 | N/A | N/A |
| XXXX | 9217061 |  |  | Closed | 2025-07-15 00:31 | 2025-07-24 09:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Income calculations confirmed. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Income Calc for Rental income using XXXX% - Seller-07/22/2025 <br> Open-Property XXXX using XXXX% monthly rental income XXXX as per 1003.<br> Provide proof of monthly rental income of XXXX and XXXX for the property XXXX Quail Unit c and XXXX Qual Unit A B<br> As of now considered $XXXX total rental income from 1008 and final 1003<br> - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Income Calc for Rental income using XXXX% - Seller-07/22/2025 | Resolved-Income calculations confirmed. - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4815399 | N/A | N/A |
| XXXX | 9217061 |  |  | Closed | 2025-07-15 02:46 | 2025-07-24 09:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Max DTI for LTV over XXXX% is XXXX% - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Exception Approval for DTI - Seller-07/22/2025 <br> Open-Audited DTI ofXXXX % exceeds Guideline DTI of XXXX% As per loan program page 551 Loan program is A+. Max DTI as per XXXX for LTV over XXXX% is XXXX% which is Less than our calculated DTI XXXX%. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Exception Approval for DTI - Seller-07/22/2025 | Waived-Max DTI for LTV over XXXX% is XXXX% - Due Diligence Vendor-07/24/2025 | XXXX |  | High Credit score of XXXX, years on job over 5 years CPA verified from 2016. | XXXX | Primary Residence | Purchase | NA | 4815763 | Originator Post-Close | Yes |
| XXXX | 9217061 |  |  | Closed | 2025-07-15 01:49 | 2025-07-23 02:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the provided one on page 494 shows uncleared alerts - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4815575 | N/A | N/A |
| XXXX | 9246378 |  |  | Closed | 2025-07-21 02:14 | 2025-08-01 10:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception approved for DSCR < XXXX. (.XXXX) - Due Diligence Vendor-08/01/2025 <br> Waived-Exception for DSCR < XXXX (.XXXX) - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. 7/22/25 - WJ - Uploaded Credit Memo reflecting exception for DSCR - Seller-07/22/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Rescinded-Audited FICO of XXXX is less than Guideline FICO of XXXX - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. 7/22/25 - WJ - Uploaded Credit Memo reflecting exception for DSCR - Seller-07/22/2025 | Waived-Exception approved for DSCR < XXXX. (.XXXX) - Due Diligence Vendor-08/01/2025 <br> Waived-Exception for DSCR < XXXX (.XXXX) - Due Diligence Vendor-08/01/2025 <br> Rescinded-Audited FICO of XXXX is less than Guideline FICO of XXXX - Due Diligence Vendor-07/21/2025 | XXXX |  | Experienced borrower - 5 properties<br> Reserves XXXX+ months. Actual XXXX months<br> LTV is XXXX% less than the maximum permitted. Actual - XXXX%, Max XXXX% LTV | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4882685 | Originator Post-Close | Yes |
| XXXX | 9246378 |  |  | Closed | 2025-07-15 03:35 | 2025-07-21 02:19 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved- - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Wrong Borrower name on in file Credit memo, provided Updated Credit memo, changes made ion system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded.XXXX- WJ - Uploaded correct Credit Memo and Sizer - Seller-07/18/2025 <br> Open-Loan is Refinance/rate and Term verified from Final HUD-1 and other documents, But Credit memo and Sizer reflects loan as Purchase and is for Different Borrower and Different Property, Need correct Credit memo and Sizer for Borrower XXXX/ Property XXXX, XXXX<br> - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. 7/18/25 - WJ - Uploaded correct Credit Memo and Sizer - Seller-07/18/2025 |  | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4815955 | N/A | N/A |
| XXXX | 9246378 |  |  | Closed | 2025-07-15 03:43 | 2025-07-21 02:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance coverage is Available in Hazard Insurance document in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Rescind Finding - see page 240 - Seller-07/18/2025 <br> Open-Hazard Insurance Dwelling amount of $XXXX does not covers the loan amount of $XXXX - Due Diligence Vendor-07/15/2025 | Ready for Review-Rescind Finding - see page 240 - Seller-07/18/2025 | Resolved-Hazard Insurance coverage is Available in Hazard Insurance document in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4815993 | N/A | N/A |
| XXXX | 9246413 |  |  | Closed | 2025-07-16 05:43 | 2025-07-22 08:35 | Resolved | 1 - Information A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard policy received. - Due Diligence Vendor-07/22/2025 <br>Resolved-Hazard Insurance is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Hazard Insurance Policy is Missing in loan file. Due to the Hazard policy missing the validation of the 6 months of rent loss was not performed. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025 | Resolved-Hazard policy received. - Due Diligence Vendor-07/22/2025 <br>Resolved-Hazard Insurance is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4832079 | N/A | N/A |
| XXXX | 9217093 |  |  | Closed | 2025-07-16 02:20 | 2025-07-18 00:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided with acceptable score. - Due Diligence Vendor-07/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/17/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation or Additional Valuation is missing in the file - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/17/2025 | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided with acceptable score. - Due Diligence Vendor-07/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4831358 | N/A | N/A |
| XXXX | 9218057 |  |  | Closed | 2025-07-15 05:21 | 2025-07-28 06:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Photo ID for B2 provided. Resolved - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. All information matches to his DL with the pic - Seller-07/25/2025 <br>Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide updated DL for B2 as the provided one on page 407 is expired on 07/05/2025 - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. All information matches to his DL with the pic - Seller-07/25/2025 | Resolved-Photo ID for B2 provided. Resolved - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4816506 | N/A | N/A |
| XXXX | 9218057 |  |  | Closed | 2025-07-15 05:21 | 2025-07-28 06:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the provided one on page 382 shows uncleared alerts - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-07/22/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4816505 | N/A | N/A |
| XXXX | 9218057 |  |  | Closed | 2025-07-15 03:29 | 2025-07-17 22:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Seller-07/17/2025 <br>Open-The Final 1003 is Missing Provide final 1003 for B1 and B2 as its missing in file. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Final 1003 - Seller-07/17/2025 | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4815872 | N/A | N/A |
| XXXX | 9218057 |  |  | Closed | 2025-07-15 05:00 | 2025-07-17 22:31 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/17/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than XXXX; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/17/2025 | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-07/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4816382 | N/A | N/A |
| XXXX | 9217121 |  |  | Closed | 2025-07-15 07:46 | 2025-07-21 05:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/18/2025 <br>Open-Per Kind lending guidelines dated 02/12/2025 page 32, 3.1.2 required updated Fraud report. Fraud report reflecting uncleared alerts. - Due Diligence Vendor-07/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report. Fraud report reflecting uncleared alerts. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/18/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4818182 | N/A | N/A |
| XXXX | 9217121 |  |  | Closed | 2025-07-15 08:24 | 2025-07-21 06:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 465 and the Final Closing disclosure on Pg 292, Finding reflects escrows. Rate lock date was entered correctly – see Pg 482. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg 358, and confirmation the appraisal was delivered to the borrower – see Pg 27-28. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 |  | Resolved- - Due Diligence Vendor-07/21/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXXsome lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 465 and the Final Closing disclosure on Pg 292, Finding reflects escrows. Rate lock date was entered correctly – see Pg 482. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg 358, and confirmation the appraisal was delivered to the borrower – see Pg 27-28. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/15/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4818795 | N/A | N/A |
| XXXX | 9218056 |  |  | Closed | 2025-07-15 20:37 | 2025-07-21 05:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/18/2025 <br> Open-Per Kind lending guidelines datedXXXXpage 32, 3.1.2 required updated Fraud report. Fraud report reflecting uncleared alerts. - Due Diligence Vendor-07/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report. Fraud report reflecting uncleared alerts. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/18/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4830504 | N/A | N/A |
| XXXX | 9241889 |  |  | Closed | 2025-07-15 22:59 | 2025-07-18 09:11 | Acknowledged | 2 - Non-Material C B | Credit | Credit | Spousal Consent Missing | Acknowledged-Per upper management review, this is ok to proceed as a B grade. - Due Diligence Vendor-07/18/2025 <br> Open-InXXXX , when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent not present in the file. Guaranty in place. - Due Diligence Vendor-07/16/2025 |  | Acknowledged-Per upper management review, this is ok to proceed as a B grade. - Due Diligence Vendor-07/18/2025 |  |  | 107.88 Months reserves <br> DSCR 1.471 | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4830773 | Originator Post-Close | No |
| XXXX | 9241889 |  |  | Closed | 2025-07-16 00:29 | 2025-07-17 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable. Loan closed 06/18. expiration 07/06/2025 - Due Diligence Vendor-07/17/2025 <br>Open-B1 Photo ID Expiration Date is before the note date - Due Diligence Vendor-07/16/2025 |  | Resolved-Validation Resolved or Not Applicable. Loan closed XXXX. expirationXXXX - Due Diligence Vendor-07/17/2025 |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4831008 | N/A | N/A |
| XXXX | 9218059 |  |  | Closed | 2025-07-16 04:08 | 2025-07-23 03:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Complete Income Calculation Worksheet, matches the income provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Income Calculation Worksheet, matches the income being used - Seller-07/22/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide updated income worksheet as the provided latest one on page 436 numbers are not in proper format. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet, matches the income being used - Seller-07/22/2025 | Resolved-Complete Income Calculation Worksheet, matches the income provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4831620 | N/A | N/A |
| XXXX | 9217132 |  |  | Closed | 2025-07-17 00:43 | 2025-08-11 13:33 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-cure check, LOX, PCCD and Tracking provided. - Due Diligence Vendor-07/29/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. $XXXX cure check, LOX, PCCD and Tracking - Seller-07/24/2025 <br> Open-The total amount of the XXXX% category fees on the last Closing Disclosure ($XXXX) has increased by more than XXXX% over the current baseline value of ($XXXX). The total amount of fees in the XXXX% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XXXX)(3)(ii); XXXX)(3)(iv)). Recording Fees – Mortgage/Deed of Trust is increased from $XXXX (initial CD) to $XXXX (final CD). Please provide CoC for increase. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. $XXXX cure check, LOX, PCCD and Tracking - Seller-07/24/2025 | Cured-cure check, LOX, PCCD and Tracking provided. - Due Diligence Vendor-07/29/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4847272 | N/A | N/A |
| XXXX | 9217132 |  |  | Closed | 2025-07-17 00:43 | 2025-07-29 07:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. $XXXX cure check, LOX, PCCD and Tracking - Seller-07/24/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX (e)(3); XXXX)(4); XXXXf)(2)(v)). Doc Tax Stamps/Transfer Taxes – City/County increased by $XXXX on final CD. Please provide COC. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. $XXXX cure check, LOX, PCCD and Tracking - Seller-07/24/2025 | Resolved-Resolved - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4847274 | N/A | N/A |
| XXXX | 9217132 |  |  | Closed | 2025-07-16 22:44 | 2025-07-24 03:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested business narrative explanation Provided which is sufficient to resolve the condition. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. UW Response: We are only required to ask for a business narrative if we are not able to determine the business purpose. In this case, we know the borrower owns a XXXX. The max business expense of XXXX% was applied <br> - Seller-07/23/2025 <br> Open-Provide business narrative reflecting nature of business and no of employees to determine expense ratio. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. UW Response: We are only required to ask for a business narrative if we are not able to determine the business purpose. In this case, we know the borrower owns a XXXX that with a sort of XXXX.<br> The max business expense of 70% was applied <br> - Seller-07/23/2025 | Resolved-Requested business narrative explanation Provided which is sufficient to resolve the condition. - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846683 | N/A | N/A |
| XXXX | 9217132 |  |  | Closed | 2025-07-16 22:30 | 2025-07-21 05:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-07/18/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide title doc with coverage amount and proposed insured name in schedule A as the one on file doesn't show this info,. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-07/18/2025 | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846608 | N/A | N/A |
| XXXX | 9218061 |  |  | Closed | 2025-07-16 05:33 | 2025-07-23 03:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4832009 | N/A | N/A |
| XXXX | 9218061 |  |  | Closed | 2025-07-16 06:15 | 2025-07-23 05:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's ($XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 234 and the Final Closing disclosure on Pg#'s 91, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 264. An interior and exterior appraisal was completed for this property – see pg 43-64, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 41-42, and confirmation the appraisal was delivered to the borrower – see Pg#'s 138-140. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-. - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 234 and the Final Closing disclosure on Pg#'s 91, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 264. An interior and exterior appraisal was completed for this property – see pg 43-64, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 41-42, and confirmation the appraisal was delivered to the borrower – see Pg#'s 138-140. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/16/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4832311 | N/A | N/A |
| XXXX | 9217032 |  |  | Closed | 2025-07-16 21:09 | 2025-07-23 10:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br> Resolved-received proof of assets received - resolved - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements $XXXX in gift funds proof received not in file - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br>Resolved-received proof of assets received - resolved - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846008 | N/A | N/A |
| XXXX | 9217032 |  |  | Closed | 2025-07-16 21:09 | 2025-07-23 10:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br> Resolved-received proof of assets received - resolved - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements $XXXX in gift funds proof received not in file - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br>Resolved-received proof of assets received - resolved - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846009 | N/A | N/A |
| XXXX | 9217032 |  |  | Closed | 2025-07-16 21:09 | 2025-07-23 10:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br> Resolved-received proof of assets received - resolved - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements $XXXX in gift funds proof received not in file - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br>Resolved-received proof of assets received - resolved - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846010 | N/A | N/A |
| XXXX | 9217032 |  |  | Closed | 2025-07-16 21:09 | 2025-07-23 10:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br> Resolved-Proof for Gift Fund $XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements XXXXn gift funds proof received not in file - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. $XXXX gift attached. The other 3 gifts were sent all in 1 total came in a little under<br> - Seller-07/22/2025 | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/23/2025 <br> Resolved-Proof for Gift Fund $XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846011 | N/A | N/A |
| XXXX | 9217032 |  |  | Closed | 2025-07-16 20:41 | 2025-07-21 05:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/18/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/18/2025 | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4845870 | N/A | N/A |
| XXXX | 9217032 |  |  | Closed | 2025-07-16 22:18 | 2025-07-23 11:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s258 and the Final Closing disclosure on Pg#'s79, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s282,268,74. An interior and exterior appraisal was completed for this property – see pg#'s20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s18,19. and confirmation the appraisal was delivered to the borrower – see Pg#'s145,146. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved- - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s258 and the Final Closing disclosure on Pg#'s79, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s282,268,74. An interior and exterior appraisal was completed for this property – see pg#'s20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s18,19. and confirmation the appraisal was delivered to the borrower – see Pg#'s145,146. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/17/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4846571 | N/A | N/A |
| XXXX | 9217049 |  |  | Closed | 2025-07-17 00:04 | 2025-07-30 04:18 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested Clarification on Housing History Provided, Previous Address owned free & Clear, Updated & Condition Resolved. - Due Diligence Vendor-07/30/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. VOR<br> Current address supports 3 months<br> Previous address owned Free and Clear<br> - Seller-07/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Verified only XXXX months housing history as per CBR page XXXX, provide 12 months housing history. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. VOR<br> Current address supports 3 months<br> Previous address owned Free and Clear<br> - Seller-07/29/2025 | Resolved-Requested Clarification on Housing History Provided, Previous Address owned free & Clear, Updated & Condition Resolved. - Due Diligence Vendor-07/30/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846946 | N/A | N/A |
| XXXX | 9217049 |  |  | Closed | 2025-07-18 03:18 | 2025-07-25 05:16 | Resolved | 1 - Information D A | Credit | Credit | Wire Instruction documentation and/or ACH documentation is partial or missing | Resolved-Wire proof for Cash to close paid by the borrower $XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Final Funds - Seller-07/24/2025 <br> Open-Asper PCCD Pg: 548, Cash to close paid by the borrower XXXX provide wire proof to verify the same. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Final Funds - Seller-07/24/2025 | Resolved-Wire proof for Cash to close paid by the borrower $XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4863750 | N/A | N/A |
| XXXX | 9217049 |  |  | Closed | 2025-07-17 00:27 | 2025-07-25 05:15 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report as the provided one on page 442 shows uncleared alerts. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/24/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4847132 | N/A | N/A |
| XXXX | 9217049 |  |  | Closed | 2025-07-17 00:12 | 2025-07-23 04:22 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided.<br> - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/22/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXreport with scores less than XXXX; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/22/2025 | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) provided.<br> - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4846992 | N/A | N/A |
| XXXX | 9218069 |  |  | Closed | 2025-07-18 08:38 | 2025-07-23 07:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4866897 | N/A | N/A |
| XXXX | 9218069 |  |  | Closed | 2025-07-16 11:27 | 2025-07-23 07:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Income Calculations - Seller-07/22/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Due to imaging errors in the upload, the Income Calculation worksheet for employer "XXXX " for checking #XXXX is not reflecting legible numbers to verify the exact deposit. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Income Calculations - Seller-07/22/2025 | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4838847 | N/A | N/A |
| XXXX | 9218069 |  |  | Closed | 2025-07-17 08:25 | 2025-07-23 07:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Bank Statement - Seller-07/22/2025 <br> Open-Borrower 1 Business Bank Statements Missing • Borrower1 Business Bank Statement 08/31/2023 Missing for employer "XXXX" (XXXX #XXXX). Borrower qualifying with 24 months bank statements, but the file provided only 23 months bank statements. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Bank Statement - Seller-07/22/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4850927 | N/A | N/A |
| XXXX | 9241912 |  |  | Closed | 2025-07-17 23:35 | 2025-07-24 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income calculation worksheet present. - Due Diligence Vendor-07/24/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing B2 Income Worksheet in file. - Due Diligence Vendor-07/18/2025 |  | Resolved-Income calculation worksheet present. - Due Diligence Vendor-07/24/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4863041 | N/A | N/A |
| XXXX | 9241912 |  |  | Closed | 2025-07-17 23:35 | 2025-07-24 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Requested Executed 4506 for B2 Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br>Open-Borrower 2 Executed 4506-T Missing B2 is wage earner missing 4506-T Missing in file. - Due Diligence Vendor-07/18/2025 |  | Resolved-Requested Executed 4506 for B2 Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4863040 | N/A | N/A |
| XXXX | 9241912 |  |  | Closed | 2025-07-21 11:55 | 2025-07-21 11:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Using both business and personal bank statements. Exception page 297 - Due Diligence Vendor-07/21/2025 |  | Waived-Loan does not conform to program guidelines Using both business and personal bank statements. Exception page 297 - Due Diligence Vendor-07/21/2025 |  |  | S/E 5+ years<br> Residual income $XXXX required $XXXX | XXXX | Primary Residence | Purchase | NA | 4891275 | Originator Pre-Close | Yes |
| XXXX | 9241893 |  |  | Closed | 2025-07-17 12:01 | 2025-07-28 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated policy received. - Due Diligence Vendor-07/28/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. TT agent - advised borrower switched insurance to XXXX - see attached. - Buyer-07/25/2025 <br> Open-Hazard Insurance Policy Partially Provided Policy is not in effect for at least 60 days after the date of funding - Due Diligence Vendor-07/17/2025 |  | Resolved-Updated policy received. - Due Diligence Vendor-07/28/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4855783 | N/A | N/A |
| XXXX | 9241893 |  |  | Closed | 2025-07-16 02:25 | 2025-07-21 01:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Loan Qualified with 24 months bank statements, only 12 months statements in file, provided Total 24 months statements, changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/18/2025 <br> Open-Borrower 1 Business Bank Statements Missing Income calculation document details the borrower qualifying with 24 months bank statements. File does not contain bank statements from XXXX through XXXX. - Due Diligence Vendor-07/16/2025 |  | Resolved-Loan Qualified with 24 months bank statements, only 12 months statements in file, provided Total 24 months statements, changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4831377 | N/A | N/A |
| XXXX | 9241893 |  |  | Closed | 2025-07-16 06:51 | 2025-07-21 01:00 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Updated Loan Approval Provided for Loan qualified with XXXX months bank statements<br> - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/18/2025 <br> Open-Per income calculation document the borrower is qualifying with XXXX months bank statements however loan approval showing XXXX months bank statements. - Due Diligence Vendor-07/16/2025 |  | Resolved-Updated Loan Approval Provided for Loan qualified with 24 months bank statements<br> - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4832644 | N/A | N/A |
| XXXX | 9241895 |  |  | Closed | 2025-07-16 06:07 | 2025-07-23 04:31 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing History, provided Property Report of primary address as the property is XXXX, Finding Resolved - Due Diligence Vendor-07/23/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Property is f/c - Buyer-07/22/2025 <br> XXXX History Does Not Meet Requirements Proof of housing history is missing in file. - Due Diligence Vendor-07/16/2025 |  | Resolved-Unable to verify Housing History, provided Property Report of primary address as the property is F/C, Finding Resolved - Due Diligence Vendor-07/23/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4832239 | N/A | N/A |
| XXXX | 9241901 |  |  | Closed | 2025-07-21 15:07 | 2025-08-06 11:51 | Acknowledged | 2 - Non-Material C B | Credit | Credit | Borrower 1 spouse has not approved transaction | Acknowledged-Per upper management ok to proceed as a B grade. Finding has been downgraded.<br> - Due Diligence Vendor-08/06/2025 <br>Acknowledged-Per upper management ok to proceed as a B grade. Finding has been downgraded. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Loan is DSCR - N/A - Buyer-07/22/2025 <br>Open-Spousal consent stated, spousal disclosure not in the file. - Due Diligence Vendor-07/21/2025 |  | Acknowledged-Per upper management ok to proceed as a B grade. Finding has been downgraded.<br> - Due Diligence Vendor-08/06/2025 <br>Acknowledged-Per upper management ok to proceed as a B grade. Finding has been downgraded. - Due Diligence Vendor-07/24/2025 |  |  | Borrower(s) have 11.98 months Reserves. Minimum required per guidelines is 3 months. Borrower funds<br> DSCR is 1.445. Minimum required per guidelines is 1.<br> LTV is 40.29%. Maximum allowed per guidelines is 75%. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4895104 | Originator Post-Close | No |
| XXXX | 9241901 |  |  | Closed | 2025-07-21 14:34 | 2025-08-06 09:05 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-LOE/reason rent free/remain primary is absent. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Counter-LOX does not indicate the why they live and plan to remain in their current primary residence rent free. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-The borrower lives rent free. The file does not contain an adequate explanation with supporting documentation on why they live and plan to remain in their current primary residence rent free. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 | Waived-LOE/reason rent free/remain primary is absent. - Due Diligence Vendor-08/06/2025 | XXXX |  | Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. Borrower funds<br> DSCR is 1.XXXX. Minimum required per guidelines is XXXX.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4894530 | Originator Post-Close | Yes |
| XXXX | 9241901 |  |  | Closed | 2025-07-16 04:01 | 2025-07-24 08:54 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-DSCR/ Does not own primary residence. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-The borrower does not own their primary residence. The ownership/rent requirement for the primary residence may be waived when the borrower lives rent free in a home owned or leased by their Spouse and/or parents. Rent free LOX on file is not from parent or spouse. Page 268 - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 | Waived-DSCR/ Does not own primary residence. - Due Diligence Vendor-07/24/2025 | XXXX |  | Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 3 months.<br> DSCR is XXXX. Minimum required per guidelines is XXXX. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4831599 | Originator Post-Close | Yes |
| XXXX | 9241901 |  |  | Closed | 2025-07-16 04:04 | 2025-07-23 04:33 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Fico Scores mis match in loan approval from credit Liabilities, provided Updated Loan Approval with correct fico, Finding Resolved - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Confirmed verified FICO score is XXXX however lender approval cert showing FICO score is XXXX. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 | Resolved-Fico Scores mis match in loan approval from credit Liabilities, provided Updated Loan Approval with correct fico, Finding Resolved - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4831604 | N/A | N/A |
| XXXX | 9241909 |  |  | Closed | 2025-07-16 01:09 | 2025-07-23 04:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-provided Rent Receipts for Unleased property, Hence Finding Resolved - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Property is s short term rental - Buyer-07/22/2025 <br>Open-Required LOX for un leased property from Borrower. - Due Diligence Vendor-07/16/2025 |  | Resolved-provided Rent Receipts for Unleased property, Hence Finding Resolved - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4831126 | N/A | N/A |
| XXXX | 9218055 |  |  | Closed | 2025-07-17 00:37 | 2025-07-23 04:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br> XXXX Shows Uncleared Alerts Per GL version XXXX page 32, Need to address all alerts but Fraud report shows uncleared findings on high category. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4847250 | N/A | N/A |
| XXXX | 9218055 |  |  | Closed | 2025-07-17 00:07 | 2025-07-23 04:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/23/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-07/22/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Per GL version 04/02/2025 page 11, The amount of title insurance coverage must at least equal the original principal amount of the mortgage but given title coverage amount is $XXXX and it's not covered the loan amount of $XXXX. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-07/22/2025 | Resolved-Final Title policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/23/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4846958 | N/A | N/A |
| XXXX | 9218045 |  |  | Closed | 2025-07-23 08:36 | 2025-07-30 06:24 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. (2) | Resolved-PDI received no damage to subject property - resolved - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Disaster Report - Seller-07/28/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING, TX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Disaster Report - Seller-07/28/2025 | Resolved-PDI received no damage to subject property - resolved - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4917688 | N/A | N/A |
| XXXX | 9218045 |  |  | Closed | 2025-07-18 01:02 | 2025-07-23 03:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-07/23/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-07/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per guidelineXXXXsection 3.1.1 - A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. GAP credit on file is dated 06/30/2025 which is more than 10 days days prior to note date of 07/11/2025. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/22/2025 | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4863320 | N/A | N/A |
| XXXX | 9218045 |  |  | Closed | 2025-07-18 02:04 | 2025-07-21 07:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 637 and the Final Closing disclosure on page # 413-417 reflects escrows. Rate lock date was entered correctly – see page # 667. An interior and exterior appraisal was completed for this property – see page # 29-65 and the appraisal disclosure was provided to the borrower(s)- see page # 27, 28 and confirmation the appraisal was delivered to the borrower(s) - see page # 27, 28. The loan meets HPML guidelines. - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 637 and the Final Closing disclosure on page # 413-417 reflects escrows. Rate lock date was entered correctly – see page # 667. An interior and exterior appraisal was completed for this property – see page # 29-65 and the appraisal disclosure was provided to the borrower(s)- see page # 27, 28 and confirmation the appraisal was delivered to the borrower(s) - see page # 27, 28. The loan meets HPML guidelines. - Due Diligence Vendor-07/18/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4863602 | N/A | N/A |
| XXXX | 9217117 |  |  | Closed | 2025-07-20 02:42 | 2025-07-23 06:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts Clear Report Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline 02/12/2025 on page#32 a clear fraud report is required. The fraud report in file pg#253 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Requested Alerts Clear Report Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4879958 | N/A | N/A |
| XXXX | 9217117 |  |  | Closed | 2025-07-19 09:41 | 2025-07-22 01:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) with acceptable score provided. - Due Diligence Vendor-07/22/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/21/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX - Due Diligence Vendor-07/19/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/21/2025 | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) with acceptable score provided. - Due Diligence Vendor-07/22/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4878803 | N/A | N/A |
| XXXX | 9218052 |  |  | Closed | 2025-07-17 04:30 | 2025-07-19 14:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/19/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXXsome lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #330,338 and the Final Closing disclosure on Pg #90, Finding reflects escrows. Rate lock date was entered correctly – see Pg #357,358,359. An interior and exterior appraisal was completed for this property – see Pg #33, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #32,31,138.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved- - Due Diligence Vendor-07/19/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #330,338 and the Final Closing disclosure on Pg #90, Finding reflects escrows. Rate lock date was entered correctly – see Pg #357,358,359. An interior and exterior appraisal was completed for this property – see Pg #33, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #32,31,138.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/17/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4848211 | N/A | N/A |
| XXXX | 9217037 |  |  | Closed | 2025-07-17 05:50 | 2025-07-23 03:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline 02.12.2025 page 32 a clear fraud report is required. The fraud report in file (page 462) is showing 4 medium and 1 low uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4848791 | N/A | N/A |
| XXXX | 9217072 |  |  | Closed | 2025-07-18 00:01 | 2025-07-23 04:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#32 a clear fraud report is required. The fraud report in file pg#288 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4863123 | N/A | N/A |
| XXXX | 9218067 |  |  | Closed | 2025-07-18 04:56 | 2025-08-06 08:20 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation LCA with Score of XXXX Provided hence resolved. - Due Diligence Vendor-07/22/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/21/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/21/2025 | Resolved-Requested Secondary Valuation LCA with Score of XXXX Provided hence resolved. - Due Diligence Vendor-07/22/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4864104 | N/A | N/A |
| XXXX | 9218067 |  |  | Closed | 2025-07-18 03:54 | 2025-07-25 04:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/25/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-07/24/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-07/24/2025 | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-07/25/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4863863 | N/A | N/A |
| XXXX | 9218067 |  |  | Closed | 2025-07-18 04:50 | 2025-07-23 07:14 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. VOR – Credit History attached. Previous property before that sold (XXXX)<br>- Seller-07/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XXXX on page#33, the borrower is required to have a XXXX months housing history. The file contains a Credit Report on page#183 with a XXXX #XXXX of 5 months. Document housing history is short by 7 months. <br> - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. VOR – Credit History attached. Previous property before that sold (XXXX)<br>- Seller-07/22/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4864078 | N/A | N/A |
| XXXX | 9218067 |  |  | Closed | 2025-07-18 05:49 | 2025-07-23 06:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts Clear Report Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version on page#32 a clear fraud report is required. he fraud report in file pg#284 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-Requested Alerts Clear Report Provided hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4864405 | N/A | N/A |
| XXXX | 9218067 |  |  | Closed | 2025-07-18 07:10 | 2025-07-23 07:14 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-07/23/2025 <br> Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B1 has no income , while B2 has income of over $XXXX Therefore, B2's FICO score should be used.<br> - Due Diligence Vendor-07/18/2025 |  | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-07/23/2025 <br> Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B1 has no income , while B2 has income of over $XXXX. Therefore, B2's FICO score should be used.<br> - Due Diligence Vendor-07/18/2025 |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4865264 | N/A | N/A |
| XXXX | 9217115 |  |  | Closed | 2025-07-17 20:17 | 2025-07-22 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 <br> XXXXhows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 6 Medium alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/22/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4862145 | N/A | N/A |
| XXXX | 9217115 |  |  | Closed | 2025-07-21 08:18 | 2025-07-22 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document was corrected. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/22/2025 <br> Open-The 1008 document is missing from the loan file. • The 1008 provided lists $XXXX as a Property Tax Expense. However, the Final CD shows property taxes at $XXXX per month. This also causes a slight variance in DTI. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/22/2025 | Resolved-The 1008 document was corrected. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4885496 | N/A | N/A |
| XXXX | 9217115 |  |  | Closed | 2025-07-17 20:58 | 2025-07-21 13:02 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX UCDP/SSR received with an LCA score of XXXX and is R&W eligible. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/21/2025 <br> Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXX XXXX/SSR report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-07/21/2025 | Resolved-XXXX XXXX/XXXX received with an LCA score of XXXX and is R&W eligible. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4862213 | N/A | N/A |
| XXXX | 9217115 |  |  | Closed | 2025-07-17 20:54 | 2025-07-23 05:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined inXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX5, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXXX and the Final Closing disclosure on Pg XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and confirmation the appraisal was delivered to the borrower – see PgXXXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-. - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXXX and the Final Closing disclosure on Pg XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and confirmation the appraisal was delivered to the borrower – see Pg XXXX-XXXX, XXXX. The loan meets XXXX guidelines, resolved. <br> - Due Diligence Vendor-07/18/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4862207 | N/A | N/A |
| XXXX | 9217053 |  |  | Closed | 2025-07-17 03:18 | 2025-07-22 05:54 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Updated Title Policy with the Updated Coverage Amount that covers loan amount provided hence resolved. - Due Diligence Vendor-07/22/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-07/21/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide Title Commitment with sufficient coverage. Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX,. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-07/21/2025 | Resolved-Requested Updated Title Policy with the Updated Coverage Amount that covers loan amount provided hence resolved. - Due Diligence Vendor-07/22/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4847941 | N/A | N/A |
| XXXX | 9217053 |  |  | Closed | 2025-07-17 04:57 | 2025-07-22 07:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/22/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXXi)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXXX-XXXX and the Final Closing disclosure on Pg XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXXX. An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and confirmation the appraisal was delivered to the borrower – see Pg XXXX. The loan meets XXXX guidelines, resolved. <br> - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/17/2025 |  | Resolved- - Due Diligence Vendor-07/22/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXXX-XXXX and the Final Closing disclosure on Pg XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg XXXX, and confirmation the appraisal was delivered to the borrower – see Pg XXXX. The loan meets XXXX guidelines, resolved. <br> - Due Diligence Vendor-07/17/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4848361 | N/A | N/A |
| XXXX | 9241908 |  |  | Closed | 2025-07-25 11:27 | 2025-07-28 09:24 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient Income Documentation | Waived-Employment since XXXX yr income documentation (borrower was student prior) - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The borrower does no have a full year of income to qualify under 1 year full documentation. W2 XXXX only covers XXXX months of income. - Due Diligence Vendor-07/25/2025 |  | Waived-Employment since XXXX-/XXXX yr income documentation (borrower was student prior) - Due Diligence Vendor-07/28/2025 | XXXX |  | Credit Score is XXXX. Minimum required XXXX<br> Residual income $XXXX required $,XXXX | XXXX | Primary Residence | Purchase | NA | 4950530 | Originator Post-Close | Yes |
| XXXX | 9241908 |  |  | Closed | 2025-07-22 14:56 | 2025-07-25 09:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-LOX, tax documents received. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-File contains XXXX for only XXXX tax year. Income calculation is for XXXX and XXXX. Full documentation requires XXXX years of XXXX. - Due Diligence Vendor-07/22/2025 |  | Resolved-LOX, tax documents received. - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4911209 | N/A | N/A |
| XXXX | 9241916 |  |  | Closed | 2025-07-18 05:23 | 2025-07-25 10:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-proof for Net proceeds from sale is missing in file, Provide settlement statement, Changes made in system, Finding Resolved - Due Diligence Vendor-07/25/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Asset Record 1 Does Not Meet G/L Requirements There is pending net sale proceeds of $XXXX available in file, Per Guideline page no XXXX a final settlement statement is required to verify sufficient net proceeds which is missing in file. - Due Diligence Vendor-07/18/2025 |  | Resolved-proof for Net proceeds from sale is missing in file, Provide settlement statement, Changes made in system, Finding Resolved - Due Diligence Vendor-07/25/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4864240 | N/A | N/A |
| XXXX | 9241916 |  |  | Closed | 2025-07-18 05:48 | 2025-07-25 10:27 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender acknowledges missing anti-steering disclosure. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-XXXX acknowledges missing disc - Buyer-XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure which is missing in file. - Due Diligence Vendor-07/18/2025 |  | Acknowledged-Lender acknowledges missing anti-steering disclosure. - Due Diligence Vendor-07/25/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4864400 | Originator Post-Close | No |
| XXXX | 9241915 |  |  | Closed | 2025-07-18 00:33 | 2025-07-29 14:19 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Asset Depletion < 4 months statements - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. acct open XXXX - see statements- beginning bal - XXXX- - Buyer-XXXX<br> Counter-2 account statements received for asset depletion #XXXX. Please provide remaining statements. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-1008 shows income calculation for asset depletion- - Buyer-XXXX<br> Ready for Review-Document Uploaded. - Buyer-XXXX5 <br> Counter-Assets used to calculate asset depletion income cannot be used for self-employment bank statement calculations. Statements used for asset depletion and income calculation worksheet for asset depletion not in the file. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Base income of $8,333.33 reflecting in 1003 and 1008 document as other income however proof of documents are not provided to verify income - Due Diligence Vendor-07/18/2025 |  | Waived-Asset Depletion < XXXX months statements - Due Diligence Vendor-07/29/2025 | XXXX |  | LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Residual income $XXXX required $XXXX<br> S/E XXXX years. | XXXX | Primary Residence | Purchase | NA | 4863242 | Originator Post-Close | Yes |
| XXXX | 9217038 |  |  | Closed | 2025-07-21 10:47 | 2025-07-24 02:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Initial 1003 - Seller-07/23/2025 <br>Open-The Initial 1003 is Missing • Executed Initial 1003 not received. The Initial 1003 provided was not signed or dated by the Loan Officer. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Initial 1003 - Seller-07/23/2025 | Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4889706 | N/A | N/A |
| XXXX | 9218065 |  |  | Closed | 2025-07-21 04:17 | 2025-07-25 06:24 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/25/2025 <br> Resolved-received evidence of rate lock - loan meets XXXX GLs - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Lock - Seller-07/22/2025 <br> Counter-Rate lock-in agreement is not in file - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Compliance Response: This loan is an HPML but it meets all of Kind Lending requirements that is why we closed the loan. - Seller-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX-XXXX reflects escrows. An interior and exterior appraisal was completed for this property – see page # XXXX-XXXX and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower(s) - see page # XXXX, XXXX. Rate lock doc is missing from file. The loan doesn't meets HPML guidelines. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. XXXX - Seller-07/22/2025 <br> Ready for Review-Compliance Response: This loan is an XXXX but it meets all of XXXX XXXX requirements that is why we closed the loan. - Seller-07/21/2025 | Resolved- - Due Diligence Vendor-07/25/2025 <br> Resolved-received evidence of rate lock - loan meets XXXX GLs - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4883093 | N/A | N/A |
| XXXX | 9218065 |  |  | Closed | 2025-07-21 03:22 | 2025-07-25 06:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Gift wire. Only ended up using $XXXX gift - Seller-07/24/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide proof of documentation for gift funds of $XXXX,XXXX as it is not in file. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Gift wire. Only ended up using $XXXX gift - Seller-07/24/2025 | Resolved-Asset XXXX Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4882878 | N/A | N/A |
| XXXX | 9218065 |  |  | Closed | 2025-07-21 09:35 | 2025-07-25 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Income Calculations - Seller-07/24/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #XXXX used expense ratio as XXXX% and hence qualifying income arrived as $XXXX. However, final 1003 and 1008 shows qualifying income as $XXXX by using expense ratio as XXXX% per GL page #XXXX (the business is service business with no employees per business narrative, entity docs). Provide updated lender worksheet validating this $XXXX amount using expense ratio of XXXX%. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Income Calculations - Seller-07/24/2025 | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4888242 | N/A | N/A |
| XXXX | 9218065 |  |  | Closed | 2025-07-21 02:40 | 2025-07-25 04:39 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-07/24/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). Per GL XXXX page # XXXX - A gap credit or Undisclosed Debt Monitoring report is required no more than XXXX days prior to loan closing or any time after closing. The gap report on file is dated 06/30/2025 which is more than 10 days from note date of XXXX. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/24/2025 | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4882761 | N/A | N/A |
| XXXX | 9218065 |  |  | Closed | 2025-07-21 03:26 | 2025-07-24 06:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/23/2025 <br> Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/23/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4882893 | N/A | N/A |
| XXXX | 9218065 |  |  | Closed | 2025-07-21 03:59 | 2025-07-23 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock received - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Lock - Seller-07/22/2025 <br>Open-Evidence of Rate Lock Missing Provide rate lock document as it is missing from file. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Lock - Seller-07/22/2025 | Resolved-Evidence of Rate Lock received - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4883033 | N/A | N/A |
| XXXX | 9217092 |  |  | Closed | 2025-07-21 04:51 | 2025-07-22 13:51 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-07/22/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B1 has income of $XXXX, while B2 has no income . Therefore, B1's FICO score should be used. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-07/22/2025 | Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4883256 | N/A | N/A |
| XXXX | 9217092 |  |  | Closed | 2025-07-21 05:55 | 2025-07-23 05:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX and the Final Closing disclosure on Pg#'XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXXX. An interior and exterior appraisal was completed for this property – see pg#'s43, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX-XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 |  | Resolved-. - Due Diligence Vendor-07/23/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX and the Final Closing disclosure on Pg#'XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'XXXX,XXXX,XXXX. An interior and exterior appraisal was completed for this property – see pg#'XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX-XXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-07/21/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4883652 | N/A | N/A |
| XXXX | 9218390 |  |  | Closed | 2025-07-21 02:30 | 2025-08-15 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Lender provided exception. Finding resolved. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Counter-The Core DSCR program requires a XXXX month housing history. Per guidelines section XXXX, Mortgage/Rental ratings are required for the borrower's primary residence (including primary residences owned in an entity) and for the subject property (if primary residence is owned free and clear will not need rating for that property). Per guidelines section XXXX,XXXX housing history (VOM/VOR) required. Missing full XXXX month history. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-The reason we do not have a XXXX mos pay history is we have provided them with evidence that the borrower is not responsible for the mortgage (current and previous) on their owner-occupied property. <br>- Seller-08/11/2025 <br> Counter-Lender provided note and payment history for what appears to be a 2nd mortgage on XXXX XXXX. Per the mortgage statement in file with XXXX Mortgage, at least XXXX payments on the mortgage ending in XXXX have been made with only one being verified on the statement. In addition, the property report in fie reflects a new mortgage recorded XXXX with XXXX of XXXX. Per guidelines, need full XXXX month history. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. I have uploaded the note on the previous mortgage with XXXX and XXXX months payment history. - Seller-08/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements REO months reviewed is XXXX and XXXX not covering the recent XXXX months to verify any late payments. Primary has recently opened mortgage per mortgage statement and property report on page#XXXX. Provide documentation/Lox for recent XXXX months. Pg#XXXX of XXXX-XXXX. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Ready for Review-The reason we do not have a XXXX mos pay history is we have provided them with evidence that the borrower is not responsible for the mortgage (current and previous) on their owner-occupied property. <br>- Seller-08/11/2025 <br> Ready for Review-Document Uploaded. I have uploaded the note on the previous mortgage with XXXX and XXXX months payment history. - Seller-08/08/2025 | Resolved-Lender provided exception. Finding resolved. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4882737 | N/A | N/A |
| XXXX | 9218571 |  |  | Closed | 2025-07-23 07:20 | 2025-08-18 07:50 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved-Loan Originator NMLS Status is Active - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Loan Originator XXXX Status is Not Active in XXXX. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025 | Resolved-Loan Originator XXXX Status is Active - Due Diligence Vendor-08/18/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4916202 | N/A | N/A |
| XXXX | 9218049 |  |  | Closed | 2025-07-22 09:12 | 2025-07-25 04:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX , Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'XXXX') - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. RCE<br> - Seller-07/24/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'XXXX' There is No Replacement cost in file. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. RCE<br> - Seller-07/24/2025 | Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX , Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4903393 | N/A | N/A |
| XXXX | 9217063 |  |  | Closed | 2025-07-22 03:25 | 2025-07-24 07:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $XXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. UW Response: Max can go down to $XXXX, - Seller-07/23/2025 <br> Open-Per Kind Lending guideline matrix dated XXXX minimum loan amount $XXXX. Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. UW Response: Max can go down to $XXXX, - Seller-07/23/2025 | Resolved-Audited Loan Amount of $XXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4899172 | N/A | N/A |
| XXXX | 9217063 |  |  | Closed | 2025-07-22 02:41 | 2025-07-23 04:14 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider Provided. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-07/22/2025 <br>Open-Provide Prepayment Rider. Prepayment Rider Missing in file. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-07/22/2025 | Resolved-Prepayment Rider Provided. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4899040 | N/A | N/A |
| XXXX | 9217027 |  |  | Closed | 2025-07-23 10:58 | 2025-07-31 11:44 | Resolved | 1 - Information C A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-Issue resolved. The supplemental tax in question for for an ownership transfer & will not reoccur. Since it was paid-in-full, it is no longer a consideration. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. UW Response: The Supp taxes were for an ownership transfer and will not be re-occurring so we should not need to escrow these amounts. I have also attached evidence that all supp taxes are paid in full - Seller-07/31/2025 <br> Open-• Per the Title Report (schedule B), there are XXXX components of taxes: City/County ($XXXX + $XXXX); Supplemental #1 ($XXXX + $XXXX); and Supplemental #XXXX ($XXXX + $XXXX). <br>The City/County taxes were accounted for on the 1008 and Final CD as Property Taxes. One of the Supplemental #1 taxes were accounted for as non-escrowed Miscellaneous ($,XXXX / XXXX = $XXXX).<br>Delinquent taxes were paid off on the Final CD. However, there is no evidence in file why only one of the two installments of Supplemental #XXXX and none of the installments of Supplemental #XXXX were considered for DTI purposes. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. UW Response: The Supp taxes were for an ownership transfer and will not be re-occurring so we should not need to escrow these amounts. I have also attached evidence that all supp taxes are paid in full - Seller-07/31/2025 | Resolved-Issue resolved. The supplemental tax in question for for an ownership transfer & will not reoccur. Since it was paid-in-full, it is no longer a consideration. - Due Diligence Vendor-07/31/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4921226 | N/A | N/A |
| XXXX | 9217027 |  |  | Closed | 2025-07-22 04:53 | 2025-07-28 12:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4899521 | N/A | N/A |
| XXXX | 9217027 |  |  | Closed | 2025-07-22 05:26 | 2025-07-31 12:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX-XXXX reflects escrows. Rate lock on page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX-XXXX and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower(s) - see page # XXXX, XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 |  | Resolved-. - Due Diligence Vendor-07/31/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX-XXXX reflects escrows. Rate lock on page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX-XXXX and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower(s) - see page # XXXX, XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-07/22/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4899714 | N/A | N/A |
| XXXX | 9217027 |  |  | Closed | 2025-07-22 05:26 | 2025-07-31 12:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX-XXXX reflects escrows. Rate lock on page # XXXX. An interior and exterior appraisal was completed for this property – see page # XXXX-XXXX and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower(s) - see page # XXXX, XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/22/2025 <br> Open- - Due Diligence Vendor-07/22/2025 |  | Resolved-. - Due Diligence Vendor-07/31/2025 <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX); XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXXX and the Final Closing disclosure on page # XXXX-XXXX reflects escrows. Rate lock on page # XXXX. An interior and exterior appraisal was completed for this property – see page # 26-64 and the appraisal disclosure was provided to the borrower(s)- see page # XXXX, XXXX and confirmation the appraisal was delivered to the borrower(s) - see page # XXXX, XXXX. The loan meets XXXX guidelines. - Due Diligence Vendor-07/22/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4899715 | N/A | N/A |
| XXXX | 9217023 |  |  | Closed | 2025-07-22 03:55 | 2025-10-01 15:49 | 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-07/29/2025 <br> Ready for Review-UW Response: This is XXXX XXXX program. No verbal needed - Seller-07/25/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE document as its missing in file. - Due Diligence Vendor-07/22/2025 | Ready for Review-UW Response: This is XXXX XXXX program. No verbal needed - Seller-07/25/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/29/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4899269 | N/A | N/A |
| XXXX | 9217023 |  |  | Closed | 2025-07-22 18:15 | 2025-07-24 15:20 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-received PCCD - resolved - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-07/23/2025 <br> Open-As per Final CD page XXXX Title Feeses reflecting inXXXX (Title Endorsement Fee, Title Lender Title Insurance) is paid to provider XXXXr Abstract & Title Co Inc, that's not on provider List page XXXX, but the Feeses is still in XXXX, Move the Feeses to XXXX or Provide updated service provider. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. PCCD - Seller-07/23/2025 | Resolved-received PCCD - resolved - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4913207 | N/A | N/A |
| XXXX | 9217023 |  |  | Closed | 2025-07-22 03:39 | 2025-07-24 03:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Updated Title Policy with the updated coverage amount provided which covers loan amount hence condition resolved. - Due Diligence Vendor-07/24/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-07/23/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXXX. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-07/23/2025 | Resolved-Requested Updated Title Policy with the updated coverage amount provided which covers loan amount hence condition resolved. - Due Diligence Vendor-07/24/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4899231 | N/A | N/A |
| XXXX | 9217023 |  |  | Closed | 2025-07-22 21:01 | 2025-07-30 13:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-07/30/2025 <br> Resolved- - Due Diligence Vendor-07/24/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX,XXXX and the Final Closing disclosure on Pg #XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXXX. An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXXX,XXXX,XXXX.<br> The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 |  | Resolved- - Due Diligence Vendor-07/30/2025 <br> Resolved- - Due Diligence Vendor-07/24/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXX . While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX,XXXX and the Final Closing disclosure on Pg #XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXXX. An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXXX,XXXX,XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/23/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 4913514 | N/A | N/A |
| XXXX | 9217033 |  |  | Closed | 2025-07-22 05:10 | 2025-08-11 06:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable received confirmation of the gift funds - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Seller CD showing the exact amount for the Gift of Equity - Seller-07/29/2025 <br> Counter-received receipt and disbursement ledger which does not show the GIFT funds. It shows proceeds from sale in a different amount (XXXX0) when gift funds were to come from father (iao XXXX) - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Gift was equity so it is showing as a disbursement - Seller-07/24/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements We have Gift Funds amount $,XXXX as per the final Gift letter on page#XXXX-XXXX amount $XXXX but proof of document is missing in file, please provide. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Seller CD showing the exact amount for the Gift of Equity - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. Gift was equity so it is showing as a disbursement - Seller-07/24/2025 | Resolved-Asset Record XXXX Meets G/L Requirements Or Not Applicable received confirmation of the gift funds - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4899609 | N/A | N/A |
| XXXX | 9217033 |  |  | Closed | 2025-07-22 04:33 | 2025-08-11 06:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived- - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-08/08/2025 <br> Counter-Housing history does not meet XXXX month requirement. "The borrower has paid rent since XXXX XXXX. He does not have a <br> rental history beyond that date."<br> - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Rental history attached for VOR - Seller-07/30/2025 <br> Counter-Document uploaded was for the asset finding. LOX from person(s) bwr was living with confirming no living expenses prior to rental history not in file. per GLs XXXX months housing history required. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Seller CD showing the exact amount for the Gift of Equity - Seller-07/29/2025 <br> Counter-LOX from person(s) bwr was living with confirming no living expenses prior to rental history not in file. per GLs 12 months housing history required. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Rental history attached for VOR - Seller-07/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version 02/12/2025 on page#XXXX, As per the XXXX Borrower Lives in No Primary Expenses but we don't have the proof of No Primary Expenses/Rent free document, Provide the No Primary Expenses/Rent free document. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. Rental history attached for VOR - Seller-07/30/2025 <br> Ready for Review-Document Uploaded. Seller CD showing the exact amount for the Gift of Equity - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. Rental history attached for VOR - Seller-07/24/2025 | Waived- - Due Diligence Vendor-08/11/2025 | XXXX |  | DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. | XXXX | Primary Residence | Purchase | NA | 4899419 | Originator Post-Close | Yes |
| XXXX | 9217105 |  |  | Closed | 2025-07-22 05:09 | 2025-07-25 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-07/25/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet is missing in the file - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-07/25/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4899599 | N/A | N/A |
| XXXX | 9217090 |  |  | Closed | 2025-07-24 06:59 | 2025-07-29 05:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing HOA Fee Statement | Resolved-Corrected 1003/1008 received to remove the unnecessary $XXXX. System updated. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 for XXXX Property - Seller-07/28/2025 <br> Open-Latest HOA Fee Assessment not provided required for XXXX calculation • For the REO property on XXXX, the Final 1003 (XXXX) states that there is a mortgage for $XXXX as well as additional expenses of $XXXX.. Per the mortgage statement, this property is escrowed. The file is missing evidence of the additional expense of $XXXX (HOA?) that was added. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Updated 1003/1008 for XXXX XXXX XXXX - Seller-07/28/2025 | Resolved-Corrected 1003/1008 received to remove the unnecessary $XXXX.. System updated. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4930572 | N/A | N/A |
| XXXX | 9217090 |  |  | Closed | 2025-07-24 06:51 | 2025-07-29 05:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document provided. System updated. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Taxes for XXXX - Seller-07/28/2025 <br> Open-• File is missing evidence of the property taxes for the property on XXXX. The Final 1003 states that it is a property owned, but has no mortgage. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Taxes for XXXX - Seller-07/28/2025 | Resolved-Document provided. System updated. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4930442 | N/A | N/A |
| XXXX | 9217090 |  |  | Closed | 2025-07-22 22:42 | 2025-07-29 05:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/29/2025 <br> Resolved-The 1008 document was provided. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/24/2025 <br> Open-The 1008 document is missing from the loan file. • The final 1008 is missing from the loan file. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/24/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/29/2025 <br>Resolved-The 1008 document was provided. - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4913803 | N/A | N/A |
| XXXX | 9217090 |  |  | Closed | 2025-07-23 00:36 | 2025-07-29 02:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts • TheXXXX Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4914081 | N/A | N/A |
| XXXX | 9217090 |  |  | Closed | 2025-07-23 00:18 | 2025-07-24 12:29 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC XXXX/SSR received with an LCA score of XXXX, and is R&W eligible. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-07/24/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXX UCDP/SSR report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-07/24/2025 | Resolved-FHLMC UCDP/SSR received with an LCA score of XXXX, and is R&W eligible. - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4914045 | N/A | N/A |
| XXXX | 9217041 |  |  | Closed | 2025-07-23 05:19 | 2025-07-29 02:11 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#XXXX a clear fraud report is required. The fraud report in file pg#XXXX is showing a High alerts. The required cleared report is missing.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4914952 | N/A | N/A |
| XXXX | 9217041 |  |  | Closed | 2025-07-23 06:18 | 2025-07-25 04:43 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Prepay Rider - Seller-07/24/2025 <br> Open-Prepayment Rider Missing. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-07/24/2025 | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4915458 | N/A | N/A |
| XXXX | 9217118 |  |  | Closed | 2025-07-23 04:50 | 2025-07-30 03:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/30/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-07/29/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/29/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/30/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Second Home | Purchase | NA | 4914783 | N/A | N/A |
| XXXX | 9217118 |  |  | Closed | 2025-07-23 05:47 | 2025-07-25 09:25 | Resolved | 1 - Information C A | Compliance | Mavent | Late: Amount | Resolved-language in note states up to allowable max by law - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Compliance Response: On the note we state that the max late fee is $XXXX and even on the CD it states the same. XXXX state law is XXXX% or the max of $XXXX, based on the principal and interest payment, yes XXXX% exceeds the requirement but all our documentation states the max late that can be charged is $XXXX, so I do not understand why the Mavent is failing. Will you please review to clear - Seller-07/25/2025 <br> Open- - Due Diligence Vendor-07/24/2025 <br> Open-The late fee ($XXXX) exceeds the XXXX Mini-Code limit of the greater of $XXXX or XXXX% ($XXXX) of the overdue payment, but not to exceed $XXXX. (XXXX) & XXXX v. XXXX., XXXX So.XXXX. Ex XXXX XXXX, XXXX XXXX) Late fee updated as XXXX% per Note document. - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/23/2025 | Ready for Review-Compliance Response: On the note we state that the max late fee is $XXXX and even on the CD it states the same. XXXX state law is XXXX% or the max of $XXXX, based on the principal and interest payment, yes XXXX% exceeds the requirement but all our documentation states the max late that can be charged is $XXXX, so I do not understand why the Mavent is failing. Will you please review to clear - Seller-07/25/2025 | Resolved-language in note states up to allowable max by law - Due Diligence Vendor-07/25/2025 |  |  |  | XXXX | Second Home | Purchase | NA | 4915179 | N/A | N/A |
| XXXX | 9217094 |  |  | Closed | 2025-07-23 23:49 | 2025-07-29 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception provided:<br> "Exception due to less than XXXX months housing history. Borrower was aborad from XXXX XXXX to XXXX XXXX." Current guidelines is for XXXX months housing history. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Exception Approval for housing history - Seller-07/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements • Borrower's Current Residence Lease is for $,XXXX for rent to XXXX XXXX. Ledger of rent payments for $XXXX to XXXX XXXX was provided. However, there are only XXXX months. Additional months' housing history from the residence prior to this one is needed to complete the 12-motnhs history. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Exception Approval for housing history - Seller-07/29/2025 | Waived-Exception provided:<br> "Exception due to less than XXXX months housing history. Borrower was aborad from XXXX XXXX to XXXX XXXX." Current guidelines is for XXXX months housing history. - Due Diligence Vendor-07/29/2025 | XXXX |  | (1) DTI of XXXX% is under the maximum allowable of XXXX% by XXXX%.<br> (2) $XXXX in Residual Income.<br> (3) XXXX FICO score exceeds the program minimum of XXXX by XXXX points. | XXXX | Primary Residence | Purchase | NA | 4928463 | Originator Pre-Close | Yes |
| XXXX | 9217094 |  |  | Closed | 2025-07-24 00:11 | 2025-07-28 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4928519 | N/A | N/A |
| XXXX | 9217087 |  |  | Closed | 2025-07-23 08:20 | 2025-07-30 03:38 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated 1008 with corrected DTI% provided. Updated & Resolved. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-07/29/2025 <br> Open-Calculated DTI is XXXX% (Sub property PITIA $XXXX + All other Liabilities $XXXX = Total $XXXX / $ XXXX\*XXXX) but 1008 reflects as XXXX%. 1003 is excluded non-mortgage debts(XXXX#XXXX, XXXX XXXX#XXXX and XXXX XXXX#XXXX) since those are not paying off per CD, not a authorized accounts and not paying through business.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-07/29/2025 | Resolved-Updated 1008 with corrected XXXX% provided. Updated & Resolved. - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4917349 | N/A | N/A |
| XXXX | 9217087 |  |  | Closed | 2025-07-23 07:43 | 2025-07-29 02:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl - versionXXXX page XXXX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4916580 | N/A | N/A |
| XXXX | 9217137 |  |  | Closed | 2025-07-24 23:14 | 2025-08-18 05:15 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Prepay Rider recorded with DOT - Seller-08/15/2025 <br> Open-Prepayment rider is missing in the file. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Prepay Rider recorded with DOT - Seller-08/15/2025 | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4943087 | N/A | N/A |
| XXXX | 9217137 |  |  | Closed | 2025-07-24 23:13 | 2025-08-18 05:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated DOT with prepayment rider marked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025 <br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. DOT recorded with correct pg XXXX box checked for Prepay XXXX - Seller-08/15/2025 <br> Open-The Deed of Trust is Incomplete As per Note, XXXX file has prepayment but Deed of trust rider section not reflecting the prepayment rider information. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. DOT recorded with correct pg XXXX box checked for Prepay Rider - Seller-08/15/2025 | Resolved-Updated DOT with prepayment rider marked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025 <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-08/18/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4943086 | N/A | N/A |
| XXXX | 9217137 |  |  | Closed | 2025-07-24 22:48 | 2025-07-28 04:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-secondary Valuation is missing in file, provided LCA/XXXX mac, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/25/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX As per GL version XXXX page XXXX, Secondary Valuation or Additional Valuation report is required, which is missing in the file<br> - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-07/25/2025 | Resolved-secondary Valuation is missing in file, provided XXXX/XXXX mac, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 4942996 | N/A | N/A |
| XXXX | 9217125 |  |  | Closed | 2025-07-25 05:48 | 2025-07-30 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. No new debt opened. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-07/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing • The borrower's Gap Credit Report is missing from the file. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/30/2025 | Resolved-Borrower 1 Gap Credit Report provided. No new debt opened. - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4944224 | N/A | N/A |
| XXXX | 9217123 |  |  | Closed | 2025-07-24 03:11 | 2025-07-29 02:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline XXXX page XXXX a clear fraud report is required. The fraud report in file (page XXXX) is showing XXXX high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4929055 | N/A | N/A |
| XXXX | 9217123 |  |  | Closed | 2025-07-24 01:51 | 2025-07-24 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Prelim - Seller-XXXX <br> Open-Title Document is missing provide title document as it is missing from file. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Prelim - Seller-07/24/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4928915 | N/A | N/A |
| XXXX | 9217086 |  |  | Closed | 2025-07-28 03:51 | 2025-08-01 03:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Eligible Bank Statement Summary Lender Worksheet / Income Calculator for subject loan income provided. - Due Diligence Vendor-08/01/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-07/31/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Due to errors in the upload of the documents, the Lender's Income Calculation Worksheet is not legible. Please resubmit. The qualifying income was $XXXX from a XXXX-month Bank Statement calculation. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-07/31/2025 | Resolved-Eligible Bank Statement Summary Lender Worksheet / Income Calculator for subject loan income provided. - Due Diligence Vendor-08/01/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4960728 | N/A | N/A |
| XXXX | 9217021 |  |  | Closed | 2025-07-27 23:56 | 2025-08-04 02:34 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided.<br> - Due Diligence Vendor-08/04/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/01/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). As per the GL VersionXXXX on page#XXXX we required Gap credit report within XXXX days prior to closing date. in file we have Gap report available on page#XXXX showing as XXXX days prior to closing date.<br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/01/2025 | Resolved-Borrower 1 Gap Credit Report provided.<br> - Due Diligence Vendor-08/04/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4960285 | N/A | N/A |
| XXXX | 9217021 |  |  | Closed | 2025-07-28 01:31 | 2025-08-01 03:19 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document with correct Tax amount provided. - Due Diligence Vendor-08/01/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-07/31/2025 <br> Open-The 1008 document is missing from the loan file. Provide the updated 1008 with Monthly Property Tax premium amount showing as per Initial Escrow Disclosure & Final CD on page#XXXX,XXXX. Monthly Property Taxes showing as $XXXX but 1008 document on page#XXXX Monthly Property Taxes showing as $XXXX.. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. 1008 - Seller-07/31/2025 | Resolved-Updated 1008 document with correct Tax amount provided. - Due Diligence Vendor-08/01/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4960466 | N/A | N/A |
| XXXX | 9217133 |  |  | Closed | 2025-07-25 22:36 | 2025-08-01 01:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/01/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl version XXXX page XXXX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 4956525 | N/A | N/A |
| XXXX | 9246481 |  |  | Closed | 2025-07-29 10:48 | 2025-08-04 08:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Resolved-Lender provided updated credit memo and sizer with exception for DSCR being at .XXXX when guideline minimum is XXXX. Finding Resolved. - Due Diligence Vendor-08/04/2025 <br> Open-Audited LTV Exceeds Guideline LTV - Due Diligence Vendor-08/04/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Resolved-Lender provided updated credit memo and sizer with exception for DSCR being under XXXX. Finding resolved. - Due Diligence Vendor-08/04/2025 <br> Open-Audited LTV Exceeds Guideline LTV - Due Diligence Vendor-08/04/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Open-Audited LTV Exceeds Guideline LTV - Due Diligence Vendor-08/04/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Ready for Review-XXXX5 - XXXX - RESCIND FINDING PLEASE, this is a duplicate - Seller-07/31/2025 <br> Open-Audited LTV Exceeds Guideline LTV Lender used XXXX% of rentrange for dscr calculation. The rentrange in file is $XXXX and actual rents are $XXXX. Actual monthly rents may be used to qualify when income exceeds third party market rental data XXXX%. This causes dscr to be .XXXX. Max LTV for cash out .XXXX- Ready for Review-XXXX - WJ - RESCIND FINDING PLEASE, this is a duplicate - Seller-07/31/2025 Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Resolved-Lender provided updated credit memo and sizer with exception for DSCR being at .XXXX when guideline minimum is XXXX. Finding Resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Resolved-Lender provided updated credit memo and sizer with exception for DSCR being under XXXX. Finding resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/04/2025 XXXX Investment Refinance Cash Out - Other 4981819 N/A N/A |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9246481 |  |  | Closed | 2025-07-29 10:48 | 2025-08-04 08:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of XXXX% is less than or equal to Guideline CLTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded.XXXX - XXXX - Uploaded a Credit Memo reflecting an approved exception for DSCR less than XXXX AND a correct sizer. Please note that this loan remains on the standard DSCR program. - Seller-07/31/2025 <br> Open-Audited CLTV of XXXX% exceeds Guideline CLTV of XXXX% Lender used XXXX% of rentrange for dscr calculation. The rentrange in file is $XXXX and actual rents are $XXXX. Actual monthly rents may be used to qualify when income exceeds third party market rental data XXXX%. This causes dscr to be .XXXX. Max LTV for cash out .XXXX- Ready for Review-Document Uploaded. XXXX - XXXX - Uploaded a Credit Memo reflecting an approved exception for DSCR less than XXXX AND a correct sizer. Please note that this loan remains on the standard XXXX program. - Seller-07/31/2025 Resolved-Audited CLTV of XXXX% is less than or equal to Guideline CLTV of XXXX% - Due Diligence Vendor-08/04/2025 XXXX XXXX Investment Refinance Cash Out - Other 4981817 N/A N/A |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9246481 |  |  | Closed | 2025-07-29 10:48 | 2025-08-04 08:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of XXXX% is less than or equal to Guideline HCLTV of XXXX% - Due Diligence Vendor-08/04/2025 <br> Ready for Review-XXXX - WJ - RESCIND FINDING PLEASE, this is a duplicate - Seller-07/31/2025 <br> Open-Audited HLTV of XXXX% exceeds Guideline HCLTV of XXXX% Lender used XXXX% of rentrange for dscr calculation. The rentrange in file is $XXXX and actual rents are $XXXX. Actual monthly rents may be used to qualify when income exceeds third party market rental data XXXX%. This causes dscr to be .XXXX. Max LTV for cash out .XXXX- Ready for Review-7/31/25 - WJ - RESCIND FINDING PLEASE, this is a duplicate - Seller-07/31/2025 Resolved-Audited HLTV of XXXX% is less than or equal to Guideline HCLTV of XXXX% - Due Diligence Vendor-08/04/2025 XXXX Investment Refinance Cash Out - Other 4981818 N/A N/A |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9246481 |  |  | Closed | 2025-07-29 11:32 | 2025-08-04 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Lender provided updated credit memo and sizer with exception for DSCR being at .XXXX when guideline minimum is XXXX. Finding Resolved. - Due Diligence Vendor-08/04/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV - Due Diligence Vendor-08/04/2025 <br> Resolved-Lender provided updated credit memo and sizer with exception for DSCR being under XXXX. Finding resolved. - Due Diligence Vendor-08/04/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV - Due Diligence Vendor-08/04/2025 <br> Ready for Review-XXXX - XXXX - RESCIND FINDING PLEASE, this is a duplicate - Seller-07/31/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV Lender used XXXX% of rentrange for dscr calculation. The rentrange in file is $XXXX and actual rents are $XXXX. Actual monthly rents may be used to qualify when income exceeds third party market rental data XXXX%. This causes dscr to be .XXXX. Max LTV for cash out .XXXX- Ready for Review-XXXX - XXXX - RESCIND FINDING PLEASE, this is a duplicate - Seller-07/31/2025 Resolved-Lender provided updated credit memo and sizer with exception for DSCR being at .XXXX when guideline minimum is XXXX. Finding Resolved. - Due Diligence Vendor-08/04/2025 <br> Resolved-Lender provided updated credit memo and sizer with exception for DSCR being under XXXX. Finding resolved. - Due Diligence Vendor-08/04/2025 XXXX Investment Refinance Cash Out - Other 4982759 N/A N/A |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9246481 |  |  | Closed | 2025-07-29 11:18 | 2025-07-31 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Lender provided corrected Settlement Statement. Finding Resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-The Settlement Statement in file reflects under impounds Mortgage Insurance in the amount of $XXXX. This appears to be for the taxes and is incorrectly labeled mortgage insurance. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025 | Resolved-Lender provided corrected Settlement Statement. Finding Resolved. - Due Diligence Vendor-07/31/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4982447 | N/A | N/A |
| XXXX | 9217129 |  |  | Closed | 2025-07-29 03:44 | 2025-08-04 00:58 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXX SSR) Provided. - Due Diligence Vendor-08/04/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-08/01/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Per the Guideline version XXXX on page#XXXX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXX XXXX/XXXX report with a score less than XXXX, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/01/2025 | Resolved-Secondary Valuation or Additional Valuation (XXXX XXXX) Provided. - Due Diligence Vendor-08/04/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 4975551 | N/A | N/A |
| XXXX | 9217084 |  |  | Closed | 2025-08-04 06:31 | 2025-08-06 06:12 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Signed Initial 1003 received. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Initial 1003 - Seller-08/05/2025 <br> Open-• The provided XXXX from application is not signed by either the Loan Officer nor the borrower. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Initial 1003 - Seller-08/05/2025 | Resolved-Signed Initial 1003 received. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5037686 | N/A | N/A |
| XXXX | 9217029 |  |  | Closed | 2025-07-29 22:36 | 2025-10-09 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 with corrected monthly property tax amount uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/04/2025 <br> Open-The 1008 document is missing from the loan file. Provide the updated 1008 with Monthly Property Tax premium amount showing as per Final CD on page#XXXX. Monthly Property Taxes showing as $XXXX but 1008 document on page#XXXX Monthly Property Taxes showing as $XXX. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/04/2025 | Resolved-Updated 1008 with corrected monthly property tax amount uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/05/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4989232 | N/A | N/A |
| XXXX | 9217029 |  |  | Closed | 2025-07-29 23:19 | 2025-08-15 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Bank Statement - Seller-08/14/2025 <br> Counter-Based on the worksheet XXXX XXXX was used - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. UW response: income worksheet did not use XXXX statement - Seller-08/04/2025 <br> Open-Borrower 1 Business Bank Statements Missing. Missing Business Bank Statement XXXX from the file. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Bank Statement - Seller-08/14/2025 <br> Ready for Review-Document Uploaded. UW response: income worksheet did not use XXXX statement - Seller-08/04/2025 | Resolved-Borrower XXXX Business Bank Statements Provided - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4989459 | N/A | N/A |
| XXXX | 9217029 |  |  | Closed | 2025-07-29 09:34 | 2025-08-04 03:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust doc provided. Resolved - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. Copy of recorded DOT - Seller-08/01/2025 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Copy of recorded DOT - Seller-08/01/2025 | Resolved-Deed of Trust doc provided. Resolved - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4980111 | N/A | N/A |
| XXXX | 9217029 |  |  | Closed | 2025-07-29 21:00 | 2025-08-04 02:32 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided.<br> - Due Diligence Vendor-08/04/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-08/01/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Per the Guideline version XXXX on page#XXXX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than XXXX, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-08/01/2025 | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided.<br> - Due Diligence Vendor-08/04/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4988955 | N/A | N/A |
| XXXX | 9217107 |  |  | Closed | 2025-07-30 06:45 | 2025-08-08 03:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/08/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4991196 | N/A | N/A |
| XXXX | 9217107 |  |  | Closed | 2025-07-30 06:33 | 2025-08-06 05:39 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than V Secondary valuation or a UCDP report with a XXXX or less from CU and/or LCA missing from file. <br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025 | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4991056 | N/A | N/A |
| XXXX | 9217051 |  |  | Closed | 2025-07-30 03:41 | 2025-08-06 05:40 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX uploaded with corrected FICO, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/05/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "When both borrowers are self-employed and jointly own the business, the highest score amongst the borrowers is used as the decision credit score." The XXXX displays the lowest mid-score, but guidelines require the highest mid-score. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. XXXX - Seller-08/05/2025 | Resolved-Updated 1008 uploaded with corrected FICO, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4989986 | N/A | N/A |
| XXXX | 9217051 |  |  | Closed | 2025-07-30 04:07 | 2025-08-06 04:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/05/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/05/2025 | Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4990073 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-08-13 06:38 | 2025-08-15 07:04 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Updated XXXX - Seller-08/14/2025 <br> Open-XXXX Document is Missing Now with the income being updated to XXXX will need updated XXXX with front end DTI at XXXX and back end DTI at XXXX - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Updated XXXX - Seller-08/14/2025 | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5158562 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-07-30 23:46 | 2025-08-13 06:35 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Updated employment page and income - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Updated Income Calc - Seller-08/12/2025 <br> Counter-Using XXXX% expense factor borrower has XXXX employees should be using XXXX% factor. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Business info, updated income worksheet - Seller-08/06/2025 <br> Open-XXXX) As per gl version XXXX page XXXX, XXXX months of consecutive business bank statements, the most recent statement dated within XXXX days of the note date but income worksheet considered til XXXX and it's been more than XXXX days.<br> 02) As per gl versionXXXXpage XXXX, Expenses factor will be determine in base of no of employees in company, to know this information required Business Narrative Form, which is missing in the fle. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Updated Income Calc - Seller-08/12/2025 <br>Ready for Review-Document Uploaded. Business info, updated income worksheet - Seller-08/06/2025 | Resolved-Updated employment page and income - Due Diligence Vendor-08/13/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5003166 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-07-30 21:29 | 2025-08-07 06:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-08/06/2025 <br> Open-The Final XXXX is Incomplete As per LOX page XXXX, Borrower living as rent free but XXXX reflects stay in rental home. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-08/06/2025 | Resolved-Updated XXXX - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5002826 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-07-30 22:06 | 2025-08-07 04:40 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Credit Report uploaded after closing which is acceptable asper GLs, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/06/2025 <br> Open-Borrower XXXX Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). As per GL version XXXX page XXXX, Gap credit report should be with in XXXX days prior to note date, Given gap credit report it's been XXXX days to note date. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/06/2025 | Resolved-Gap Credit Report uploaded after closing which is acceptable asper GLs, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5002881 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-08-05 01:53 | 2025-08-05 02:02 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg #XXXX, the appraisal disclosure is proved on page #XXXX-XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg #XXXX, the appraisal disclosure is proved on page #XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 5053664 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-07-30 23:10 | 2025-08-05 01:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial closing disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Initial CD 7/1 - Seller-08/04/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in the file. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Initial CD XXXX - Seller-08/04/2025 | Resolved-Initial closing disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5002981 | N/A | N/A |
| XXXX | 9217142 |  |  | Closed | 2025-07-30 22:10 | 2025-08-05 01:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-08/04/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX As per GL version XXXX page XXXX, Secondary Valuation or Additional Valuation report is required, which is missing in the file<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-08/04/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/05/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5002888 | N/A | N/A |
| XXXX | 9217140 |  |  | Closed | 2025-07-31 02:35 | 2025-08-13 07:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Franklin templeton is investment asset of B2, Audited Reserves of 6.49 months are greater than Guideline Required Reserves of XXXX months, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Assets - Seller-08/06/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Total Assets requirement is $XXXX (Closing Cost or Down payment $XXXX + Reserves $XXXX (XXXX\*XXXX)), Verified assets are $XXXX, There is asset shortage of $XXXX and As per XXXX retirement funds (Franklin templeton) of $XXXX was disclosed but there is no supporting docs in the file. - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Assets - Seller-08/06/2025 | Resolved-Franklin templeton is investment asset of B2, Audited Reserves of XXXX months are greater than Guideline Required Reserves of XXXX months, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5003674 | N/A | N/A |
| XXXX | 9217140 |  |  | Closed | 2025-07-31 03:39 | 2025-08-12 14:18 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Evidence of Property Tax Missing | Waived-Borrower is going to have negative escrow due to taxes not being stated correct - Due Diligence Vendor-08/12/2025 <br> Ready for Review-The borrower still qualifies at the higher payment and the servicer can adjust their escrow account at any time. Please waive - Seller-08/08/2025 <br> Counter-Based on docs in file taxes areXXXX a year. Based on this will cause borrower to have a negative escrow account for the taxes. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/06/2025 <br> Open-Missing Evidence of Property Tax As per Title (page XXXX) Tax's are $XXXX + $XXXX= $XXXX- $XXXX (Delinquent amounts $XXXX + $XXXX)=$XXXX / XXXX = $XXXX (monthly) but All Closing docs are reflects monthly tax as $XXXX and XXXX and Tax cer (page #XXXX) Considered monthly tax's as $XXXX (XXXX & tax cer included the delinquent amount into tax amount). - Due Diligence Vendor-07/31/2025 | Ready for Review-The borrower still qualifies at the higher payment and the servicer can adjust their escrow account at any time. Please waive - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/06/2025 | Waived-Borrower is going to have negative escrow due to taxes not being stated correct - Due Diligence Vendor-08/12/2025 | XXXX |  | Borrower has a credit score of XXXX and all that is needed is XXXX<br> DTI is at XXXX and DT can go up to XXXX% | XXXX | Primary Residence | Purchase | NA | 5003808 | Originator Pre-Close | No |
| XXXX | 9217140 |  |  | Closed | 2025-07-31 03:34 | 2025-08-07 06:13 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX uploaded with corrected FICO of XXXX, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/06/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL-version XXXX page XXXX - As per CPA page XXXX- Borrower XXXX & Borrower XXXX has XXXX% & XXXX% ownership on respective business, So Borrower XXXX with the higher monthly income is considered the primary borrower and their credit score can be used as the decision credit score but XXXX considered the borrower XXXX score, <br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. XXXX - Seller-08/06/2025 | Resolved-Updated XXXX uploaded with corrected FICO of XXXX, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5003793 | N/A | N/A |
| XXXX | 9217140 |  |  | Closed | 2025-07-31 01:03 | 2025-08-07 06:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Credit Report uploaded after closing which is acceptable asper GLs, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. B2 Gap Credit - Seller-08/06/2025 <br> Open-Borrower XXXX Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). As per GL-version XXXX page XXXX, Gap credit report should be with in XXXX days prior to note date, Given gap credit report it's been XXXX days to note date.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. XXXX Gap Credit - Seller-08/06/2025 | Resolved-Gap Credit Report uploaded after closing which is acceptable asper GLs, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5003421 | N/A | N/A |
| XXXX | 9217140 |  |  | Closed | 2025-07-31 01:03 | 2025-08-07 06:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Credit Report uploaded after closing which is acceptable asper GLs, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. B1 Gap Credit - Seller-08/06/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). As per GL-version XXXX page XXXX, Gap credit report should be with in XXXX days prior to note date, Given gap credit report it's been XXXX days to note date.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. XXXX Gap Credit - Seller-08/06/2025 | Resolved-Gap Credit Report uploaded after closing which is acceptable asper GLs, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5003420 | N/A | N/A |
| XXXX | 9218501 |  |  | Closed | 2025-08-04 03:25 | 2025-08-11 08:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see correct initial CD COC, thank you! - Seller-08/07/2025 <br> Counter-Uploaded COC is for Discount Points $XXXX not for Page XXXX CDXXXX Discount Points $XXXX. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Lender Discount Fee increases from $XXXX from Initial LE to $XXXX in Final CD, provide missing COC. - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see correct initial CD COC, thank you! - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 | Resolved-Resolved - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5036501 | N/A | N/A |
| XXXX | 9218292 |  |  | Closed | 2025-08-04 05:37 | 2025-08-06 06:32 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Updated Lender Loan Approval with Credit Type uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Approval updated with Credit Type. Resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Loan Approval pg#XXXX bot reflecting Credit Type under Program Information. Provide updated Loan Approval. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 | Resolved-Updated Lender Loan Approval with Credit Type uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-Approval updated with Credit Type. Resolved. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5037167 | N/A | N/A |
| XXXX | 9217113 |  |  | Closed | 2025-08-01 05:50 | 2025-08-08 04:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/08/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline VersionXXXXon page#XXXX a clear fraud report is required. The fraud report in file pg#XXXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 | Resolved-Provided fraud report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/08/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5019525 | N/A | N/A |
| XXXX | 9217119 |  |  | Closed | 2025-08-04 00:09 | 2025-08-11 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received docs that shows borrower received the docs - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. We sent a revised LE out with the lock in agreement on XXXX, and while the borrowers didn't e-sign it, our system does show record that they viewed it. Please see attached. - Seller-08/08/2025 <br> Open-Evidence of Rate Lock Missing Provide updated rate lock as the provided one on page XXXX,XXXX signatures and dates are missing. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. We sent a revised LE out with the lock in agreement on XXXX, and while the borrowers didn't e-sign it, our system does show record that they viewed it. Please see attached. - Seller-08/08/2025 | Resolved-Received docs that shows borrower received the docs - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5035950 | N/A | N/A |
| XXXX | 9217119 |  |  | Closed | 2025-08-03 23:02 | 2025-08-11 06:10 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-08/11/2025 <br> Resolved-Updated XXXX with XXXX score - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/08/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Audited Primary Wage Earner Score XXXX as per CBR page XXXX,XXXX whereas XXXX on page XXXX shows Fico XXXX, Qualifying FICO entries do not match. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. XXXX - Seller-08/08/2025 | Resolved-Validation Resolved - Due Diligence Vendor-08/11/2025 <br> Resolved-Updated XXXX with XXXX score - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5035749 | N/A | N/A |
| XXXX | 9217085 |  |  | Closed | 2025-08-04 03:55 | 2025-08-11 06:18 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX document with corrected DTI provided. DTI now matching.Hence Resolved.<br> - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. XXXX & XXXX - Seller-08/08/2025 <br> Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is XXXX% but Originator DTI is XXXX%. Variance is XXXX% due to Other REO Net Rental Loss $XXXX Originator does not consider and Total Monthly Liabilities $XXXX% - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. XXXX & XXXX - Seller-08/08/2025 | Resolved-Updated XXXX document with corrected DTI provided. DTI now matching.Hence Resolved.<br> - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5036599 | N/A | N/A |
| XXXX | 9217085 |  |  | Closed | 2025-08-04 05:13 | 2025-08-11 06:18 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-property owned free and clear, Housing History Meets Guideline Requirements - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. VOR – Property owned F/C - Seller-08/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements XXXX month primary housing history not in file - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. VOR – Property owned F/C - Seller-08/08/2025 | Resolved-property owned free and clear, Housing History Meets Guideline Requirements - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5037005 | N/A | N/A |
| XXXX | 9217085 |  |  | Closed | 2025-08-04 02:35 | 2025-08-11 06:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXXon page#XXXX a clear fraud report is required. The fraud report in file pg#XXXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/08/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5036412 | N/A | N/A |
| XXXX | 9217085 |  |  | Closed | 2025-08-04 05:20 | 2025-08-11 06:12 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document with corrected HOI premium & Taxes provided. - Due Diligence Vendor-08/11/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-08/08/2025 <br> Open-The XXXX document is missing from the loan file. Homeowners Insurance Premium showing as $XXXX should be XXXX, taxes should be XXXX not XXXX - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. XXXX - Seller-08/08/2025 | Resolved-XXXX document with corrected HOI premium & Taxes provided. - Due Diligence Vendor-08/11/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5037049 | N/A | N/A |
| XXXX | 9217085 |  |  | Closed | 2025-08-04 03:43 | 2025-08-11 07:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-08/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX and the Final Closing disclosure on Pg#'XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXXX. An interior and exterior appraisal was completed for this property – see pg#'XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/04/2025 |  | Resolved- - Due Diligence Vendor-08/11/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX and the Final Closing disclosure on Pg#'XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXXX. An interior and exterior appraisal was completed for this property – see pg#'XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/04/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 5036559 | N/A | N/A |
| XXXX | 9246509 |  |  | Closed | 2025-08-07 08:23 | 2025-08-18 10:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-The comment below states the XXXX account was not used for Assets. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-8/14/25 - RESCIND FINDING PLEASE - The XXXX account is not being used for qualifying assets. It is being used for ACH payments. The XXXX account is the only account used for assets, and you have two months. - Seller-08/14/2025 <br> Counter-The XXXX statements are for April and May. The XXXX statement is only for XXXX month. As per guidelines, for purchase transactions, the most recent XXXX- consecutive months statements or most recent quarterly statements. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-XXXX - WJ - RESCIND FINDING PLEASE - Please refer to items XXXX of the file upload in your system. April and May statements for XXXX #XXXX are there. - Seller-08/07/2025 <br> Open-The Asset statement for XXXX account is only for XXXX month. As per guidelines, for purchase transactions, the most recent XXXX- consecutive months statements or most recent quarterly statements. <br> - Due Diligence Vendor-08/07/2025 | Ready for Review-XXXX - RESCIND FINDING PLEASE - The XXXX account is not being used for qualifying assets. It is being used for ACH payments. The XXXX account is the only account used for assets, and you have two months. - Seller-08/14/2025 <br> Ready for Review-XXXX- WJ - RESCIND FINDING PLEASE - Please refer to items XXXX of the file upload in your system. April and May statements for XXXX #XXXX are there. - Seller-08/07/2025 | Resolved-The comment below states the XXXX account was not used for Assets. - Due Diligence Vendor-08/18/2025 |  |  |  | XXXX | Investment | Purchase | NA | 5091364 | N/A | N/A |
| XXXX | 9246513 |  |  | Closed | 2025-08-12 05:33 | 2025-08-19 06:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-The documentation received was sufficient to resolve the finding. Two bank statements reflecting the rent received. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded proof of receipt of rents for May and June - Seller-08/18/2025 <br> Open-Missing Verification of Rent The guidelines require that use of actual rent that exceeds the market by less than XXXX%. The Borrower must provide executed current lease (contained in file) and two months canceled checks or bank statement showing receipt. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document UploadedXXXX - WJ - Uploaded proof of receipt of rents for May and June - Seller-08/18/2025 | Resolved-The documentation received was sufficient to resolve the finding. Two bank statements reflecting the rent received. - Due Diligence Vendor-08/19/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5141958 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-15 03:52 | 2025-09-09 14:54 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | XXXX - Interest Rate Accrual Warning (Civ. Code) | Resolved-PCDD provided, Per Diem Interest $XXXX, Mavent Cleared, Resolved<br> - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. PC CD showing disbursement date as XXXXXXXX and no prepaid interest collected. - Seller-09/05/2025 <br> Counter-Per TRID rules, a Final Settlement Statement cannot be used when CD's are present. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Final settlement statement showing disbursement date ofXXXX. The consummation CD and FSS do not show any prepaid interest. - Seller-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-XXXX unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX) - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. PC CD showing disbursement date as XXXX and no prepaid interest collected. - Seller-09/05/2025 <br> Ready for Review-Document Uploaded. Final settlement statement showing disbursement date ofXXXX. The consummation CD and FSS do not show any prepaid interest. - Seller-08/15/2025 | Resolved-PCDD provided, Per Diem Interest $XXXX, Mavent Cleared, Resolved<br> - Due Diligence Vendor-09/09/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5188928 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-07 03:51 | 2025-09-04 15:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Counter-The attached XXXX shows borrower is married, however the vesting on the Deed of Trust and Title is Single. The attached XXXX also shows XXXX different income amounts. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. updated final XXXX - Seller-08/14/2025 <br> Open-The Final XXXX is Missing As per the income calculation sheet and XXXX document , Income is $XXXXwhere as it is in final XXXX is $XXXX and also in asset section showing as incorrect asset name and balance amount, provide the correct final XXXX with income and assets. <br> The Final XXXX also shows borrower is married, however the vesting on the Deed of Trust and Title is Single. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Ready for Review-Document Uploaded. updated final 1003 - Seller-08/14/2025 | Resolved-The Final XXXX is Present - Due Diligence Vendor-09/04/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5088439 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-07 02:46 | 2025-08-15 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. Updated & Resolved. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. Initial CD - Seller-08/14/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Initial CD - Seller-08/14/2025 | Resolved-Initial Closing Disclosure document provided. Updated & Resolved. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5088269 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-15 03:52 | 2025-08-15 03:56 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-There are ($XXXX) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-08/15/2025 |  | Resolved- - Due Diligence Vendor-08/15/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 5188927 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-15 03:52 | 2025-08-15 03:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/15/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-08/15/2025 |  | Resolved- - Due Diligence Vendor-08/15/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | 5188929 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-07 13:55 | 2025-08-13 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Document Uploaded. - Due Diligence Vendor-08/13/2025 <br> Resolved-Per documentation -- Child support has been paid and case is being closed - Letter is from a government agency and borrower not previously married - cleared - Due Diligence Vendor-08/13/2025 <br> Counter-The document attached is for a judgement, not for the full child support. The Credit Report shows the child support account is still active. There is a Judgement Lien Release in file for Child Support page XXXX, which states "this release of lien does not affect the amount of support owed now or in the future". The Final XXXX and Credit Report both show an active liability of $XXXX per month. The divorce decree or child support documentation is missing. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-The credit report account number and the letter case number match stating that the payments were completed.<br> Just because he had child support doesn't automatically mean that he had a divorce. - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. The attached from county of XXXX states that XXXX no longer has to pay child support which is in conjunction with the release. - Seller-08/08/2025 <br> Open-There is a Judgement Lien Release in file for Child Support page XXXX, which states "this release of lien does not affect the amount of support owed now or in the future". The Final XXXX and Credit Report both show a liability of $XXXXper month. The divorce decree is missing. - Due Diligence Vendor-08/07/2025 | Ready for Review-The credit report account number and the letter case number match stating that the payments were completed.<br> Just because he had child support doesn't automatically mean that he had a divorce. - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. The attached from county of XXXXstates that XXXX no longer has to pay child support which is in conjunction with the release. - Seller-08/08/2025 | Resolved-Document Uploaded. - Due Diligence Vendor-08/13/2025 <br>Resolved-Per documentation -- Child support has been paid and case is being closed - Letter is from a government agency and borrower not previously married - cleared - Due Diligence Vendor-08/13/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5100241 | N/A | N/A |
| XXXX | 9218480 |  |  | Closed | 2025-08-07 04:08 | 2025-08-11 05:53 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX with corrected TAX amount provided. - Due Diligence Vendor-08/11/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. the child support debt is excluded as is has been paid in full so it will not show up in the DTI ratio. - Seller-08/08/2025 <br> Open-The XXXX document is missing from the loan file. As per the Lender loan information sheet on page#XXXX tax amount monthly amount is $XXXX where as it is in XXXX document isXXXX and also all other monthly payments are as per the credit report is XXXX where are it is in XXXX document is $XXXX, Provide the updated XXXX document. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. the child support debt is excluded as is has been paid in full so it will not show up in the DTI ratio. - Seller-08/08/2025 | Resolved-Updated XXXX with corrected TAX amount provided. - Due Diligence Vendor-08/11/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5088485 | N/A | N/A |
| XXXX | 9217034 |  |  | Closed | 2025-08-06 08:24 | 2025-08-14 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated TRID Page and post CD pages - Due Diligence Vendor-08/14/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Updated PCCD - Seller-08/13/2025 <br> Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% LTV exceeds guidelines based on post CD borrower is gettingXXXX back at closing. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Updated PCCD - Seller-08/13/2025 | Resolved-Updated TRID Page and post CD pages - Due Diligence Vendor-08/14/2025 <br> Resolved-Audited LTV of XXXX% is less than or equal to Guideline LTV of XXXX% - Due Diligence Vendor-08/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5073663 | N/A | N/A |
| XXXX | 9217034 |  |  | Closed | 2025-08-06 00:42 | 2025-08-13 04:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/13/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/12/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl-version XXXXpage XXXX, need to clear all alerts on fraud report but fraud report shows two uncleared alert on high category.<br> - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/12/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/13/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/13/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5070142 | N/A | N/A |
| XXXX | 9217034 |  |  | Closed | 2025-08-06 08:00 | 2025-08-07 06:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Title Report - Seller-08/06/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title does not provide the coverage amount. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Title Report - Seller-08/06/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5073086 | N/A | N/A |
| XXXX | 9217091 |  |  | Closed | 2025-08-08 11:27 | 2025-08-15 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower XXXX Business Bank Statements Provided - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Bank Statement - Seller-08/15/2025 <br> Open-Borrower XXXX Business Bank Statements Missing. Missing Business Bank Statement State Bank of Texas #XXXX Statement missing from the file. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Bank Statement - Seller-08/15/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5114089 | N/A | N/A |
| XXXX | 9217091 |  |  | Closed | 2025-08-11 05:54 | 2025-08-15 05:41 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved-Repairs completed document provided. Updated & resolved. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Repairs completed - Seller-08/14/2025 <br> Open-Missing Updated Completion Report XXXX Document from the file. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Repairs completed - Seller-08/14/2025 | Resolved-Repairs completed document provided. Updated & resolved. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5127610 | N/A | N/A |
| XXXX | 9217091 |  |  | Closed | 2025-08-09 23:49 | 2025-08-15 02:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX provided with corrected income. Updated & Resolved.<br> - Due Diligence Vendor-08/15/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/14/2025 <br> Open-The XXXX document is missing from the loan file. Provide the updated XXXX document with Income of $XXXX Document showing as $XXXX but XXXX and Calculated income is $XXXX. - Due Diligence Vendor-08/10/2025 | Ready for Review-Document Uploaded. Updated XXXX - Seller-08/14/2025 | Resolved-XXXX provided with corrected income. Updated & Resolved.<br> - Due Diligence Vendor-08/15/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5124006 | N/A | N/A |
| XXXX | 9217048 |  |  | Closed | 2025-08-07 04:45 | 2025-08-12 04:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-08/12/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/11/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guidelineXXXX page # XXXX a clear fraud report is required. The fraud report in file (page # XXXX) is showing XXXX high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/11/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-08/12/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/12/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5088673 | N/A | N/A |
| XXXX | 9217048 |  |  | Closed | 2025-08-07 10:09 | 2025-08-08 06:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-XXXX Document is Present or Not Applicable - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Final HUD1 - Seller-08/07/2025 <br> Open-There are a few versions of the hud in file. Need executed final Hud - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Final HUD1 - Seller-08/07/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/08/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5094936 | N/A | N/A |
| XXXX | 9239003 |  |  | Closed | 2025-08-08 17:22 | 2025-08-13 05:27 | Resolved | 1 - Information D A | Credit | Missing Doc | FAC: Missing Loan Agreement | Resolved-Please remember to enter correct specific page in system of record, resolved. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Please rescind finding. See page XXXX - Seller-08/11/2025 <br> Open-Missing Loan Agreement - Due Diligence Vendor-08/08/2025 | Ready for Review-Please rescind finding. See page XXXX - Seller-08/11/2025 | Resolved-Please remember to enter correct specific page in system of record, resolved. - Due Diligence Vendor-08/13/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5120412 | N/A | N/A |
| XXXX | 9239116 |  |  | Closed | 2025-08-12 09:58 | 2025-08-21 13:50 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Borrowing entity has greater than XXXX months investment property experience. Resolved. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-8/20/25 - WJ - RESCIND FINDING PLEASE - Please refer to pages XXXX, XXXX & XXXX to find these documents - Seller-08/20/2025 <br> Counter-Unable to locate items noted in file uploads. Provide the documentation or the naming convention of the applicable files in the zip upload in order to locate. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-XXXX - WJ - RESCIND FINDING PLEASE - Please refer to the file uploads. There is an REO addendum which reflects ownership of XXXX since XXXX (item #XXXX from the top) and a corresponding property profile to support this (item XXXX from the bottom) - Seller-08/18/2025 <br> Open-The loan application borrower experience has only the subject property listed which was acquired on XXXX. Per the GL an experienced borrower has 3 properties or XXXX with a minimum of XXXX- months ownership. Provide an updated loan application with property reports to meet the requirement. - Due Diligence Vendor-08/12/2025 | Ready for Review-XXXX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXXX to find these documents - Seller-08/20/2025 <br> Ready for Review-XXXX - WJ - RESCIND FINDING PLEASE - Please refer to the file uploads. There is an REO addendum which reflects ownership of XXXX since XXXX (item #XXXX from the top) and a corresponding property profile to support this (item XXXX from the bottom) - Seller-08/18/2025 | Resolved-Borrowing entity has greater than XXXX months investment property experience. Resolved. - Due Diligence Vendor-08/21/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5147007 | N/A | N/A |
| XXXX | 9239147 |  |  | Closed | 2025-08-13 08:27 | 2025-08-18 06:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception approved to allow a XXXX ARM for loan term. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. XXXX - WJ - Uploaded a Credit Memo reflecting an exception for loan amortization - Seller-08/14/2025 <br> Open-Loan does not conform to program guidelines. Per Note loan is an Adjustable rate loan which is not allowed if DSCR ratio is < XXXX per G/L's. Current DSCR is 0.XXXX. DSCR < XXXX only fixed rate loan is allowed. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded.XXXX - WJ - Uploaded a Credit Memo reflecting an exception for loan amortization - Seller-08/14/2025 | Waived-Exception approved to allow a 5/6 ARM for loan term. - Due Diligence Vendor-08/18/2025 | XXXX |  | 1. FICO - XXXX which is XXXX points higher than the XXXX minimum required. <br> 2. Borrower experience - borrower has owned properties since XXXX. Currently experienced with XXXX properties.<br> 3. LTV - XXXX% which is XXXX% lower than the maximum of XXXX%<br> 4. Reserves - XXXX+ months (XXXX+). Borrower actually has reserves ofXXXX months with $XXXX per asset screen. | XXXX | Investment | Refinance | Cash Out - Other | 5160455 | Originator Post-Close | Yes |
| XXXX | 9218482 |  |  | Closed | 2025-08-12 07:56 | 2025-08-19 07:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC's provided for the changes to multiple Fees, Mavent cleared. - Due Diligence Vendor-08/19/2025 <br> Resolved- - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($7,XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits got decreased from initial LE dated XXXX to final CD dated 08/01/2025 where $XXXX adjusted in transfer taxes which go increased. No COC provided in file for lender credits. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025 | Resolved-COC's provided for the changes to multiple Fees, Mavent cleared. - Due Diligence Vendor-08/19/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5143945 | N/A | N/A |
| XXXX | 9218482 |  |  | Closed | 2025-08-12 07:56 | 2025-09-16 08:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX, XXXX. Final Closing disclosure on Pg#'XXXX Rate lock doc on pg-XXXX. An interior and exterior appraisal was completed for this property on pg-XXXX. A copy of the appraisal was given to the borrower on pgs-XXXX. confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX, XXXX.<br> Final Closing disclosure on Pg#'XXXX<br> Rate lock doc on pg-XXXX.<br> An interior and exterior appraisal was completed for this property on pg-XXXX. <br> A copy of the appraisal was given to the borrower on pgs-XXXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX.<br> The loan meets HPML Guidelines, resolved.<br>- Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/12/2025 |  | Resolved-The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-09/16/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX, XXXX. Final Closing disclosure on Pg#'XXXX Rate lock doc on pg-XXXX. An interior and exterior appraisal was completed for this property on pg-XXXX. A copy of the appraisal was given to the borrower on pgs-XXXX. confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-08/19/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXXX, XXXX.<br> Final Closing disclosure on Pg#'XXXX<br> Rate lock doc on pg-XXXX.<br> An interior and exterior appraisal was completed for this property on pg-XXXX. <br> A copy of the appraisal was given to the borrower on pgs-XXXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX.<br> The loan meets HPML Guidelines, resolved.<br>- Due Diligence Vendor-08/12/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5143944 | N/A | N/A |
| XXXX | 9217068 |  |  | Closed | 2025-08-13 22:54 | 2025-08-18 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 XXXX Party VOE Prior to Close (The Work Number effective XXXX) Was Provided. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. VVOE - Seller-08/18/2025 <br> Open-Borrower 1 XXXX Party VOE Prior to Close Missing • Borrower XXXX is a waged employee with XXXX. A VVOE from within XXXX days of closing for this borrower is missing from the file. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. VVOE - Seller-08/18/2025 | Resolved-Borrower 1 XXXX Party VOE Prior to Close (The Work Number effectiveXXXX) Was Provided. - Due Diligence Vendor-08/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5171883 | N/A | N/A |
| XXXX | 9217068 |  |  | Closed | 2025-08-14 06:34 | 2025-08-15 13:14 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected XXXX received. Validation Resolved. - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/15/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B1 has $XXXX in income and B2 has $XXXX; therefore B1's FICO score should be used for qualifying. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Updated XXXX - Seller-08/15/2025 | Resolved-Corrected XXXX received. Validation Resolved. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5174444 | N/A | N/A |
| XXXX | 9389070 |  |  | Closed | 2025-09-14 23:45 | 2025-09-17 02:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Permanent Resident Card along with I-XXXX provided.Updated & resolved. - Due Diligence Vendor-09/17/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower XXXX Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Per guidelines, section XXXX, • Acceptable evidence of permanent residency includes the following:<br> o Alien Registration Receipt Card XXXXXXXX (referred to as a green card)<br> o Alien Registration Receipt Card XXXX (Resident Alien Card) that does not have an expiration date on the <br> back (also known as a green card)<br> Borrower Citizenship is Permanent Resident Alien per final loan application in file. Missing Alien Registration Receipt Card XXXX. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Permanent Resident Card along with XXXX provided.Updated & resolved. - Due Diligence Vendor-09/17/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/17/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5531077 | N/A | N/A |
| XXXX | 9389074 |  |  | Closed | 2025-09-14 10:18 | 2025-09-18 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Our Guidelines does not required Rent-Loss. This requirement was removed from our guidelines a long time ago. - Seller-09/16/2025 <br>Open-Hazard Insurance Policy Partially Provided The Hazard coverage does not include Business Interruption / Rent-Loss Coverage amount. Requesting updated Homeowners Insurance policy.<br> - Due Diligence Vendor-09/14/2025 | Ready for Review-Our Guidelines does not required Rent-Loss. This requirement was removed from our guidelines a long time ago. - Seller-09/16/2025 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/18/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5529980 | N/A | N/A |
| XXXX | 9389074 |  |  | Closed | 2025-09-15 15:22 | 2025-09-18 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed XXXX-T Provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Borrower 1 Executed XXXX-T Missing - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025 | Resolved-Borrower 1 Executed XXXXProvided - Due Diligence Vendor-09/18/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 5544745 | N/A | N/A |
| XXXX | 9389117 |  |  | Closed | 2025-09-15 03:24 | 2025-09-18 05:26 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-The documentation received was sufficient to resolve the finding. Post Consummation Closing Disclosure - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-The Disbursement date XXXX reflected on the Final Closing Disclosure is before the notary date of XXXXreflected on the Deed. Further, the gift funds are wired directly to escrow escrow company but were not reflected on the Final CD. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-The documentation received was sufficient to resolve the finding. Post Consummation Closing Disclosure - Due Diligence Vendor-09/18/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5531662 | N/A | N/A |
| XXXX | 9389031 |  |  | Closed | 2025-09-14 22:42 | 2025-09-23 01:59 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Provided XXXX shows Borrower XXXX Ethnicity Selection. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. attached<br> - Seller-09/22/2025 <br> Open-Borrower XXXX Ethnicity Selection is Not Provided Borrower 1 ethnicity selection is not provided on the loan application. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. attached<br> - Seller-09/22/2025 | Resolved-Provided XXXX shows Borrower 1 Ethnicity Selection. - Due Diligence Vendor-09/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 5530940 | N/A | N/A |
| XXXX | 9389249 |  |  | Closed | 2025-09-17 22:42 | 2025-09-26 07:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved, COC received for Revised CD having Lender credits of $XXXX changed to $XXXX in Final CD. - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Revised CD has Lender credits of $XXXX changed to $XXXX in Final CD . Provide COC - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Resolved, COC received for Revised CD having Lender credits of $XXXX changed to $XXXX in Final CD. - Due Diligence Vendor-09/26/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5579734 | N/A | N/A |
| XXXX | 9389249 |  |  | Closed | 2025-09-17 22:10 | 2025-09-23 02:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document provided with P&I,HOA fee. Now the HTI & DTI matches. - Due Diligence Vendor-09/23/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-The XXXX document is missing from the loan file. XXXX has not included T&I, HOA in PITIA resulting HTI and TI variance-Provide updated XXXX - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025 | Resolved-Updated XXXX document provided with P&I,HOA fee. Now the HTI & DTI matches. - Due Diligence Vendor-09/23/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-09/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5579667 | N/A | N/A |
| XXXX | 9389249 |  |  | Closed | 2025-09-17 22:56 | 2025-09-23 01:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow Waiver uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-IEAD on page#XXXX has escrows signed on XXXX and revised CD signed on XXXX provided with Escrows Pg#XXXX whereas recent Final CD signed on XXXX Pg#XXXX is without escrows. Provided recent escrow waiver missing in file - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025 | Resolved-Escrow Waiver uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5579771 | N/A | N/A |
| XXXX | 9389058 |  |  | Closed | 2025-09-23 01:42 | 2025-09-29 07:52 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-updated via compliance rpeorting - Due Diligence Vendor-09/29/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-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) Required Updated Final CD or Post CD after Final disbursement date which is XXXX. Provided right to cancel document shows cancel date XXXX. - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-updated via compliance rpeorting - Due Diligence Vendor-09/29/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5629858 | N/A | N/A |
| XXXX | 9389058 |  |  | Closed | 2025-09-23 05:24 | 2025-09-25 07:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Borrower identification received and reviewed. Finding resolved with provided documentation - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Borrower XXXX Photo Identification Missing. Please provide valid photo identification per guideline requirements. US Patriot Act doc states a State driving license valid till XXXX. Request to provide - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Borrower identification received and reviewed. Finding resolved with provided documentation - Due Diligence Vendor-09/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5631001 | N/A | N/A |
| XXXX | 9389058 |  |  | Closed | 2025-09-23 05:24 | 2025-09-25 07:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower identification received and reviewed. Finding resolved with provided documentation - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Borrower XXXX Photo Identification Missing. Please provide valid photo identification per guideline requirements. US Patriot Act doc states a State driving license valid till XXXX. Request to provide - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Borrower identification received and reviewed. Finding resolved with provided documentation - Due Diligence Vendor-09/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5631000 | N/A | N/A |
| XXXX | 9389058 |  |  | Closed | 2025-09-16 23:24 | 2025-09-25 06:59 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Resolved-Provided XXXX shows Borrower XXXX Ethnicity information. - Due Diligence Vendor-09/24/2025 <br> Resolved-Borrower XXXX Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Borrower XXXX Ethnicity Selection is Not Provided - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Provided XXXX shows Borrower XXXX Ethnicity information. - Due Diligence Vendor-09/24/2025 <br> Resolved-Borrower XXXX Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is XXXX) - Due Diligence Vendor-09/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5563258 | N/A | N/A |
| XXXX | 9389058 |  |  | Closed | 2025-09-25 07:29 | 2025-09-25 07:34 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-09/25/2025 <br>Open- - Due Diligence Vendor-09/25/2025 |  | Resolved-Resolved - Due Diligence Vendor-09/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5668708 | N/A | N/A |
| XXXX | 9389142 |  |  | Closed | 2025-09-21 21:48 | 2025-09-23 01:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/23/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-The Final XXXX is Incomplete Section XXXX: Loan Originator Information Page XXXX of XXXX, is missing in final XXXX. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025 | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/23/2025 <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-09/23/2025 | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5612266 | N/A | N/A |
| XXXX | 9218397 |  |  | Closed | 2025-09-22 08:24 | 2025-09-25 09:26 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Resolved. LA with matrix date received and system updated. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Hi, it'sXXXX - Seller-09/23/2025 <br> Open-Loan Approval on page XXXX does not reflect the Matrix Version date. Provide updated Loan Approval. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Hi, it'sXXXX - Seller-09/23/2025 | Resolved-Resolved. LA with matrix date received and system updated. - Due Diligence Vendor-09/25/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5617111 | N/A | N/A |
| XXXX | 9218397 |  |  | Closed | 2025-09-22 00:33 | 2025-09-24 01:38 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX with correct FICO provided. - Due Diligence Vendor-09/24/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Qualifying FICO on the XXXX Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide a revised XXXX with the XXXX credit score.<br> - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Updated XXXX with correct FICO provided. - Due Diligence Vendor-09/24/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-09/24/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5612992 | N/A | N/A |
| XXXX | 9218397 |  |  | Closed | 2025-09-21 23:32 | 2025-09-24 00:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/24/2025 <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-The Deed of Trust is Missing Provide the Deed of Trust and any applicable riders (XXXX Rider) which is missing from loan file. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 | Resolved-Deed of Trust uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/24/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/24/2025 | XXXX |  |  | XXXX | Investment | Purchase | NA | 5612651 | N/A | N/A |

---

## Exhibit 99.7

[MORGAN STANLEY CAPITAL I INC. ABS-15G](msrm2025nqm9-abs15g_110625.htm)

**Exhibit 99.7 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 # 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** |
| 8995896 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/23/2024 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.498% |  | 7.250% | 7.250% | $6980.37 | No |  | $20923.80 | $1743.65 | $7642.08 | $636.84 | $1752.00 | $146.00 | $0.00 | $9506.86 | $14736.89 | N/A | XXXX | XXXX | $146.00 | XXXX | Monthly | 45.62% | 45.62% | 45.62% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Asset Depletion - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1645209.71 | 173.1 | 1649618.22 | 173.5 | No | 64.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9082015 |  | 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 | 7.875% | 7.875% | $1740.17 | Yes | 18.000% | $3655.68 | $304.64 | $2748.00 | $229.00 | $0.00 | $0.00 | $0.00 | $2273.81 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.055 | 1.055 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1884.56 | 0.8 | 25445.02 | 11.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9082018 |  | 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 |  |  | 7.875% | 7.875% | $1527.72 | Yes | 18.000% | $3148.56 | $262.38 | $1613.16 | $134.43 | $0.00 | $0.00 | $0.00 | $1924.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46619.36 | 24.2 | 46619.36 | 24.2 | No | 72.66 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9082065 |  | 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 |  |  | 8.875% | 8.875% | $3176.21 | Yes | 18.000% | $2136.48 | $178.04 | $3966.00 | $330.50 | $0.00 | $0.00 | $0.00 | $3684.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.303 | 1.303 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 92009.15 | 25 | 152958.72 | 41.5 | No | 75.04 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9082067 |  | 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 |  |  | 8.625% | 8.625% | $1032.52 | Yes | 18.000% | $2070.60 | $172.55 | $1098.96 | $91.58 | $0.00 | $0.00 | $0.00 | $1296.65 |  | N/A | XXXX |  | $0.00 | XXXX |  | 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 | 1.234 | 1.234 | N/A | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 49601.53 | 38.3 | 70221.89 | 54.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9113537 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/19/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.074% |  | 7.000% | 7.000% | $13306.05 | No |  | $27721.32 | $2310.11 | $9589.44 | $799.12 | $900.00 | $75.00 | $0.00 | $16490.28 | $347765.16 | N/A | XXXX | XXXX | $75.00 | XXXX | Annually | 9.04% | 9.04% | 9.04% | 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% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1266195.72 | 76.8 | 1266195.72 | 76.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9120572 |  | 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 |  |  | 8.000% | 8.000% | $1307.27 | Yes | 10.000% | $5207.28 | $433.94 | $1888.08 | $157.34 | $0.00 | $0.00 | $0.00 | $1898.55 |  | N/A | XXXX |  | $0.00 | 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 | 1.106 | 1.106 | N/A | 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 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 | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1920032.10 | 1011.3 | 1920032.10 | 1011.3 | No | 68 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9120587 |  | 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 |  |  | 7.500% | 7.500% | $3013.61 | Yes | 10.500% | $7763.04 | $646.92 | $1671.36 | $139.28 | $0.00 | $0.00 | $0.00 | $3799.81 |  | N/A | XXXX |  | $0.00 | 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 | 1.013 | 1.003 | N/A | 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 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 | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 28216.42 | 7.4 | 28216.42 | 7.4 | No | 78.36 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9128068 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/26/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 10.180% |  | 9.625% | 9.625% | $5779.93 | No |  | $8499.96 | $708.33 | $2321.04 | $193.42 | $1635.00 | $136.25 | $0.00 | $6817.93 | $32881.19 | N/A | XXXX | XXXX | $136.25 | XXXX | Annually | 33.51% | 33.32% | 33.32% | 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 | Missing | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | 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 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 636 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 221709.38 | 32.5 | 221709.38 | 32.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9128019 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/08/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.002% |  | 6.750% | 6.750% | $2386.84 | No |  | $11099.52 | $924.96 | $1716.96 | $143.08 | $500.04 | $41.67 | $0.00 | $2656.67 | $12672.33 | N/A | XXXX | XXXX | $41.67 | XXXX | Annually | 23.92% | 28.95% | 28.95% | 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% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15186.77 | 5.7 | 15186.77 | 5.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9128042 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $6762.97 | No |  | $10987.68 | $915.64 | $3795.00 | $316.25 | $2760.00 | $230.00 | $0.00 | $8224.86 | $71348.95 | N/A | XXXX | XXXX | $230.00 | XXXX | Monthly | 36.40% | 28.01% | 28.01% | 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% | 100.00% |  |  | 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 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 252849.89 | 30.7 | 252849.89 | 30.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9186070 |  | 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 | 7.125% | 7.125% | $1263.22 | Yes | 18.000% | $1902.96 | $158.58 | $1662.72 | $138.56 | $0.00 | $0.00 | $0.00 | $1560.36 |  | N/A | XXXX |  | $0.00 | 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 | 1.154 | 1.154 | N/A | 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 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 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 | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 77777.18 | 49.8 | 124116.40 | 79.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226563 |  | 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 | 7.625% | 7.625% | $1003.30 | Yes | 10.375% | $1676.52 | $139.71 | $1236.96 | $103.08 | $0.00 | $0.00 | $0.00 | $1246.09 |  | N/A | XXXX |  | $0.00 | 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 | 1.284 | 1.284 | N/A | 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 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 | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3817.64 | 3.1 | 69832.82 | 56 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226564 |  | 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 | 7.750% | 7.750% | $1042.38 | Yes | 10.250% | $1867.92 | $155.66 | $1259.04 | $104.92 | $0.00 | $0.00 | $0.00 | $1302.96 |  | N/A | XXXX |  | $0.00 | 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 | 1.228 | 1.225 | N/A | 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 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 | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 429.88 | 0.3 | 67898.58 | 52.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226565 |  | 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 |  |  | 7.750% | 7.750% | $1773.12 | Yes | 10.250% | $4315.92 | $359.66 | $2187.96 | $182.33 | $0.00 | $0.00 | $0.00 | $2315.11 |  | N/A | XXXX |  | $0.00 | 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 | 1.209 | 1.2 | N/A | 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 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 | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3817.63 | 2 | 231576.35 | 118.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226571 |  | 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 |  |  | 7.625% | 7.625% | $1274.03 | Yes | 10.375% | $1625.52 | $135.46 | $1513.56 | $126.13 | $0.00 | $0.00 | $0.00 | $1535.62 |  | Yes | XXXX | XXXX | $0.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.368 | 1.367 | N/A | 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 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 | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 98106.48 | 63.9 | 98106.48 | 63.9 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226572 |  | 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 |  |  | 7.625% | 7.625% | $1433.28 | Yes | 10.375% | $1987.80 | $165.65 | $1156.08 | $96.34 | $0.00 | $0.00 | $0.00 | $1695.27 |  | Yes | XXXX | XXXX | $0.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.018 | 1.018 | N/A | 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 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 | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147597.86 | 87.1 | 147597.86 | 87.1 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226573 |  | 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 |  |  | 7.625% | 7.625% | $1406.74 | Yes | 10.375% | $2832.36 | $236.03 | $1557.00 | $129.75 | $0.00 | $0.00 | $0.00 | $1772.52 |  | Yes | XXXX | XXXX | $0.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.066 | 1.066 | N/A | 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 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 | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147598.31 | 83.3 | 147598.31 | 83.3 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226574 |  | 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 |  |  | 7.625% | 7.625% | $1433.28 | Yes | 10.375% | $1987.80 | $165.65 | $1156.08 | $96.34 | $0.00 | $0.00 | $0.00 | $1695.27 |  | Yes | XXXX | XXXX | $0.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.032 | 1.032 | N/A | 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 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 | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147597.86 | 87.1 | 148349.14 | 87.5 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226576 |  | 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 |  |  | 7.625% | 7.625% | $1274.03 | Yes | 10.375% | $1808.88 | $150.74 | $1297.20 | $108.10 | $0.00 | $0.00 | $0.00 | $1532.87 |  | Yes | XXXX | XXXX | $0.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.37 | 1.383 | N/A | 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 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 | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147573.49 | 96.3 | 147573.49 | 96.3 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226581 |  | 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 |  |  | 7.875% | 7.875% | $472.17 | Yes | 10.125% | $433.32 | $36.11 | $1007.04 | $83.92 | $0.00 | $0.00 | $0.00 | $592.20 |  | N/A | XXXX |  | $0.00 | 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 | 2.026 | 2.026 | N/A | 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 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 | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5255.74 | 8.9 | 5255.74 | 8.9 | No | 74.85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226582 |  | 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 |  |  | 7.625% | 7.625% | $4140.59 | Yes | 10.375% | $7107.84 | $592.32 | $3412.56 | $284.38 | $0.00 | $0.00 | $0.00 | $5017.29 |  | N/A | XXXX |  | $0.00 | 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 | 1.154 | 1.15 | N/A | 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 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 | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14724.93 | 2.9 | 293262.40 | 58.5 | No | 78 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226583 |  | 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% | $4391.07 | Yes | 10.500% | $6107.64 | $508.97 | $3934.56 | $327.88 | $0.00 | $0.00 | $0.00 | $5227.92 |  | N/A | XXXX |  | $0.00 | 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 | 1.234 | 1.233 | N/A | 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 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 | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 129709.65 | 24.8 | 129709.65 | 24.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226588 |  | 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 |  |  | 7.750% | 7.750% | $3196.88 | Yes | 10.250% | $9954.84 | $829.57 | $1340.04 | $111.67 | $0.00 | $0.00 | $0.00 | $4138.12 |  | N/A | XXXX |  | $0.00 | 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 | 1.01 | 1.007 | N/A | 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 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 | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 230342.27 | 55.7 | No | 72.26 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226596 |  | 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 |  |  | 7.250% | 7.250% | $629.31 | Yes | 24.000% | $585.36 | $48.78 | $1121.04 | $93.42 | $0.00 | $0.00 | $0.00 | $771.51 |  | N/A | XXXX |  | $0.00 | 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 | 1.581 | 1.581 | N/A | 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 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 | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 40600.75 | 52.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226597 |  | 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 |  |  | 6.875% | 6.875% | $1176.72 | Yes | 24.000% | $3409.80 | $284.15 | $1965.84 | $163.82 | $0.00 | $0.00 | $0.00 | $1624.69 |  | N/A | XXXX |  | $0.00 | 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 | 1 | N/A | 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 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 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 | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52454.79 | 32.3 | 52454.79 | 32.3 | No | 77.88 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226602 |  | 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 |  |  | 7.125% | 7.125% | $1945.36 | Yes | 10.875% | $4023.60 | $335.30 | $1904.04 | $158.67 | $0.00 | $0.00 | $0.00 | $2439.33 |  | N/A | XXXX |  | $0.00 | 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 | 1.496 | 1.496 | N/A | 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 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 | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 35862.00 | 14.7 | 35862.00 | 14.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226603 |  | 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 |  |  | 7.375% | 7.375% | $784.61 | Yes | 10.625% | $2489.28 | $207.44 | $1095.00 | $91.25 | $0.00 | $0.00 | $0.00 | $1083.30 |  | N/A | XXXX |  | $0.00 | 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 | 1.662 | 1.66 | N/A | 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 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 | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37915.08 | 35 | 37915.08 | 35 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226604 |  | 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 |  |  | 7.750% | 7.750% | $1020.89 | Yes | 24.000% | $3264.48 | $272.04 | $1535.64 | $127.97 | $0.00 | $0.00 | $0.00 | $1420.90 |  | N/A | XXXX |  | $0.00 | 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 | 1.302 | 1.3 | N/A | 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 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 | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17412.50 | 12.3 | 17412.50 | 12.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226609 |  | 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 |  |  | 7.500% | 7.500% | $386.32 | Yes | 10.500% | $1745.40 | $145.45 | $1179.00 | $98.25 | $0.00 | $0.00 | $0.00 | $630.02 |  | N/A | XXXX |  | $0.00 | 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 | 1.825 | 1.825 | N/A | 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 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 | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30177.16 | 47.9 | 53143.43 | 84.4 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226611 |  | 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 |  |  | 7.125% | 7.125% | $4453.13 | Yes | 24.000% | $6153.60 | $512.80 | $3297.96 | $274.83 | $0.00 | $0.00 | $0.00 | $5240.76 |  | N/A | XXXX |  | $0.00 | 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 | 1.011 | 1.011 | N/A | 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 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 | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12652.52 | 2.4 | 20988.08 | 4 | No | 62.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226612 |  | 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 |  |  | 7.625% | 7.625% | $1203.25 | Yes | 24.000% | $1770.96 | $147.58 | $1482.96 | $123.58 | $0.00 | $0.00 | $0.00 | $1474.41 |  | N/A | XXXX |  | $0.00 | 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 | 1.051 | 1.05 | N/A | 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 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 | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 52828.56 | 35.8 | 52828.56 | 35.8 | No | 79.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226614 |  | 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 |  |  | 7.875% | 7.875% | $493.05 | Yes | 10.125% | $739.56 | $61.63 | $999.96 | $83.33 | $0.00 | $0.00 | $0.00 | $638.01 |  | N/A | XXXX |  | $0.00 | 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 | 1.403 | 1.4 | N/A | 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 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 | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9581.17 | 15 | 9581.17 | 15 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226616 |  | 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 |  |  | 7.000% | 7.000% | $1430.40 | Yes | 24.000% | $3093.96 | $257.83 | $666.00 | $55.50 | $0.00 | $0.00 | $0.00 | $1743.73 |  | N/A | XXXX |  | $0.00 | 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 | 1.434 | 1.434 | N/A | 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 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 | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 38740.17 | 22.2 | 139161.18 | 79.8 | No | 45.74 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226618 |  | 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% | $4289.68 | Yes | 10.500% | $7822.80 | $651.90 | $3990.84 | $332.57 | $0.00 | $0.00 | $0.00 | $5274.15 |  | N/A | XXXX |  | $0.00 | 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 | 1.275 | 1.275 | N/A | 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 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 | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8576.81 | 1.6 | 109549.98 | 20.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226621 |  | 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 |  |  | 7.375% | 7.375% | $1787.12 | Yes | 24.000% | $1733.16 | $144.43 | $1431.96 | $119.33 | $0.00 | $0.00 | $0.00 | $2050.88 |  | N/A | XXXX |  | $0.00 | 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 | 1.024 | 1.024 | N/A | 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 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 | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | Maxicanos | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 65654.39 | 32 | 65654.39 | 32 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226623 |  | 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 |  |  | 7.500% | 7.500% | $1966.54 | Yes | 24.000% | $5518.56 | $459.88 | $1483.44 | $123.62 | $0.00 | $0.00 | $0.00 | $2550.04 |  | N/A | XXXX |  | $0.00 | 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 | 1.016 | 1.02 | N/A | 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 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 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 | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 74216.60 | 29.1 | 74216.60 | 29.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226624 |  | 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 |  |  | 7.875% | 7.875% | $377.04 | Yes | 10.125% | $824.52 | $68.71 | $1379.04 | $114.92 | $0.00 | $0.00 | $0.00 | $560.67 |  | N/A | XXXX |  | $0.00 | 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 | 1.739 | 1.739 | N/A | 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 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 | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 73730.06 | 131.5 | 73730.06 | 131.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226627 |  | 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 |  |  | 7.750% | 7.750% | $591.04 | Yes | 24.000% | $1542.60 | $128.55 | $598.44 | $49.87 | $0.00 | $0.00 | $0.00 | $769.46 |  | N/A | XXXX |  | $0.00 | 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 | 1.74 | 1.74 | N/A | 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 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 | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17908.37 | 23.3 | 17908.37 | 23.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226631 |  | 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 | 8.125% | 8.125% | $1063.26 | Yes | 9.875% | $3312.24 | $276.02 | $2405.04 | $200.42 | $0.00 | $0.00 | $0.00 | $1539.70 |  | N/A | XXXX |  | $0.00 | 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 | 1.754 | 1.753 | N/A | 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 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 | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24391.57 | 15.8 | 24391.57 | 15.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226633 |  | 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 |  |  | 7.625% | 7.625% | $679.48 | Yes | 10.375% | $2167.68 | $180.64 | $1122.00 | $93.50 | $0.00 | $0.00 | $0.00 | $953.62 |  | N/A | XXXX |  | $0.00 | 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 | 1.625 | 1.625 | N/A | 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 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 | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 68683.32 | 72 | 68683.32 | 72 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226642 |  | 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 |  |  | 7.500% | 7.500% | $699.21 | Yes | 18.000% | $2622.96 | $218.58 | $1032.96 | $86.08 | $0.00 | $0.00 | $0.00 | $1003.87 |  | N/A | XXXX |  | $0.00 | 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 | 1.146 | 1.14 | N/A | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5489.16 | 5.5 | 41411.39 | 41.3 | No | 74.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226644 |  | 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 |  |  | 7.500% | 7.500% | $674.74 | Yes | 18.000% | $2933.04 | $244.42 | $1263.96 | $105.33 | $0.00 | $0.00 | $0.00 | $1024.49 |  | N/A | XXXX |  | $0.00 | 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 | 1.171 | 1.17 | N/A | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5489.16 | 5.4 | 79308.60 | 77.4 | No | 74.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226645 |  | 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 |  |  | 7.375% | 7.375% | $1880.36 | Yes | 10.625% | $8111.88 | $675.99 | $2870.28 | $239.19 | $0.00 | $0.00 | $0.00 | $2795.54 |  | N/A | XXXX |  | $0.00 | 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 | 1.019 | 1.01 | N/A | 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 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 | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 75707.15 | 27.1 | No | 55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226647 |  | 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 |  |  | 7.375% | 7.375% | $783.23 | Yes | 10.625% | $592.56 | $49.38 | $1320.96 | $110.08 | $0.00 | $0.00 | $0.00 | $942.69 |  | N/A | XXXX |  | $0.00 | 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 | 1.379 | 1.379 | N/A | 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 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 | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 185.82 | 0.2 | 26416.53 | 28 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226650 |  | 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 |  |  | 7.875% | 7.875% | $380.66 | Yes | 10.125% | $1181.16 | $98.43 | $489.60 | $40.80 | $1980.00 | $165.00 | $0.00 | $684.89 |  | Yes | XXXX | XXXX | $165.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.241 | 1.635 | N/A | 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 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 | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | H-1B Visa | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7090.63 | 10.4 | 7090.63 | 10.4 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226652 |  | 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 | 7.625% | 7.625% | $3793.77 | Yes | 10.375% | $1939.56 | $161.63 | $2001.36 | $166.78 | $0.00 | $0.00 | $0.00 | $4122.18 |  | N/A | XXXX |  | $0.00 | 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 | 1.225 | 1.225 | N/A | 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 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 | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32859.74 | 8 | 32859.74 | 8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226577 |  | 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 |  |  | 8.000% | 8.000% | $7434.87 | Yes | 10.000% | $17175.24 | $1431.27 | $10775.04 | $897.92 | $0.00 | $0.00 | $0.00 | $9764.06 |  | N/A | XXXX |  | $0.00 | 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 | 1.403 | 1.403 | N/A | 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 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 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 | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25621.66 | 2.6 | 38936.93 | 4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226591 |  | 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 |  |  | 8.375% | 8.375% | $3297.66 | Yes | 24.000% | $12598.56 | $1049.88 | $4012.32 | $334.36 | $0.00 | $0.00 | $0.00 | $4681.90 |  | N/A | XXXX |  | $0.00 | 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 | 1.131 | 1.13 | N/A | 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 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 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 | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 160486.15 | 34.3 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9186228 |  | 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 |  |  | 7.125% | 7.125% | $869.10 | Yes | 18.000% | $943.68 | $78.64 | $1294.32 | $107.86 | $0.00 | $0.00 | $0.00 | $1055.60 |  | N/A | XXXX |  | $0.00 | 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 | 1.326 | 1.326 | N/A | 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 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 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 | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 102346.73 | 97 | 110753.62 | 104.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9186231 |  | 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 |  |  | 7.375% | 7.375% | $1491.86 | Yes | 18.000% | $4313.28 | $359.44 | $3010.68 | $250.89 | $0.00 | $0.00 | $0.00 | $2102.19 |  | N/A | XXXX |  | $0.00 | 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 | 1.218 | 1.218 |  | 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 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 | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Lease Hold | XXXX | No | No | N/A | 100133.80 | 47.6 | 108246.19 | 51.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9186236 |  | 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 |  |  | 7.375% | 7.375% | $1424.52 | Yes | 18.000% | $2820.96 | $235.08 | $1829.40 | $152.45 | $0.00 | $0.00 | $0.00 | $1812.05 |  | N/A | XXXX |  | $0.00 | 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 | 1.021 | 1.021 | N/A | 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 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 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 | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 125147.80 | 69.1 | 168428.47 | 93 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226570 |  | 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 |  |  | 7.500% | 7.500% | $842.19 | Yes | 24.000% | $2836.32 | $236.36 | $1329.96 | $110.83 | $0.00 | $0.00 | $0.00 | $1189.38 |  | N/A | XXXX |  | $0.00 | 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 | 1.015 | 1.01 | N/A | 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 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 | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 61751.54 | 51.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226600 |  | 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 |  |  | 7.625% | 7.625% | $814.25 | Yes | 10.375% | $1746.00 | $145.50 | $940.92 | $78.41 | $0.00 | $0.00 | $0.00 | $1038.16 |  | N/A | XXXX |  | $0.00 | 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 | 1.589 | 1.58 | N/A | 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 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 | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20611.10 | 19.9 | 20611.10 | 19.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226641 |  | 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 |  |  | 7.500% | 7.500% | $597.13 | Yes | 10.500% | $914.76 | $76.23 | $273.96 | $22.83 | $2568.00 | $214.00 | $0.00 | $910.19 |  | Yes | XXXX | XXXX | $214.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.428 | 1.428 | N/A | 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 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 | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Identification Card | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 39187.04 | 43.1 | No | 70 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226666 |  | 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 |  |  | 7.625% | 7.625% | $4954.56 | Yes | 10.375% | $7309.44 | $609.12 | $3465.00 | $288.75 | $0.00 | $0.00 | $0.00 | $5852.43 |  | N/A | XXXX |  | $0.00 | 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 | 1.318 | 1.318 | N/A | 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 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 | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105417.15 | 18 | 105417.15 | 18 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9241887 |  | 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 |  |  | 7.125% | 7.125% | $5019.20 | Yes | 23.000% | $1215.24 | $101.27 | $4521.00 | $376.75 | $0.00 | $0.00 | $0.00 | $5497.22 |  | N/A | XXXX |  | $0.00 | 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 | N/A | 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 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 | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 188279.38 | 34.3 | No | 72.68 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226680 |  | 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 |  |  | 7.625% | 7.625% | $1274.03 | Yes | 10.375% | $3941.28 | $328.44 | $3353.76 | $279.48 | $0.00 | $0.00 | $0.00 | $1881.95 |  | N/A | XXXX |  | $0.00 | 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 | 1.727 | 2.028 | N/A | 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 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 | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 90.65 | 0.1 | 161236.42 | 100.6 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226566 |  | 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 |  |  | 7.500% | 7.500% | $838.50 | Yes | 10.500% | $2517.12 | $209.76 | $1166.28 | $97.19 | $0.00 | $0.00 | $0.00 | $1145.45 |  | N/A | XXXX |  | $0.00 | 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 | 1.31 | 1.309 | N/A | 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 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 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 | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13203.57 | 11.5 | 13203.57 | 11.5 | No | 81.63 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226568 |  | 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 |  |  | 7.750% | 7.750% | $2702.67 | Yes | 18.000% | $2476.32 | $206.36 | $3501.00 | $291.75 | $0.00 | $0.00 | $0.00 | $3200.78 |  | N/A | XXXX |  | $0.00 | 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 | 1.578 | 1.578 | N/A | 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 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 | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11411.31 | 3.6 | 27557.00 | 8.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226586 |  | 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 |  |  | 7.625% | 7.625% | $2010.13 | Yes | 10.375% | $2802.12 | $233.51 | $1623.96 | $135.33 | $0.00 | $0.00 | $0.00 | $2378.97 |  | N/A | XXXX |  | $0.00 | 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 | 1.513 | 1.51 | N/A | 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 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 | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 240666.09 | 101.2 | 240666.09 | 101.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226587 |  | 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 |  |  | 7.625% | 7.625% | $2010.13 | Yes | 10.375% | $2606.88 | $217.24 | $2238.00 | $186.50 | $0.00 | $0.00 | $0.00 | $2413.87 |  | N/A | XXXX |  | $0.00 | 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 | 1.491 | 1.491 | N/A | 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 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 | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 227306.66 | 93.8 | 227306.66 | 93.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226589 |  | 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 |  |  | 7.750% | 7.750% | $945.66 | Yes | 10.250% | $2326.32 | $193.86 | $1802.88 | $150.24 | $0.00 | $0.00 | $0.00 | $1289.76 |  | N/A | XXXX |  | $0.00 | 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 | 1.473 | 1.473 | N/A | 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 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 | XXXX | XXXX | XXXX | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 99220.87 | 76.9 | 99220.87 | 76.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226592 |  | 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 |  | $1000.00 | 8.375% | 8.375% | $809.48 | Yes | 9.625% | $4352.04 | $362.67 | $1311.00 | $109.25 | $0.00 | $0.00 | $0.00 | $1281.40 |  | N/A | XXXX |  | $0.00 | 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 | 1.171 | 1.18 | N/A | 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 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 | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 44740.19 | 34.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226594 |  | 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 |  |  | 7.500% | 7.500% | $1080.29 | Yes | 18.000% | $1110.00 | $92.50 | $1962.00 | $163.50 | $0.00 | $0.00 | $0.00 | $1336.29 |  | N/A | XXXX |  | $0.00 | 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 | 1.197 | 1.08 | N/A | 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 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 | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 135123.08 | 101.1 | 135123.08 | 101.1 | No | 69.91 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226605 |  | 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 |  |  | 7.750% | 7.750% | $584.59 | Yes | 24.000% | $1104.00 | $92.00 | $981.96 | $81.83 | $0.00 | $0.00 | $0.00 | $758.42 |  | N/A | XXXX |  | $0.00 | 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 | 1.592 | 1.592 | N/A | 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 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 | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3722.13 | 4.9 | 3722.13 | 4.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226622 |  | 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 | 7.250% | 7.250% | $1234.74 | Yes | 24.000% | $2408.04 | $200.67 | $1320.00 | $110.00 | $0.00 | $0.00 | $0.00 | $1545.41 |  | N/A | XXXX |  | $0.00 | 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 | 1.155 | 1.155 | N/A | 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 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 | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6497.48 | 4.2 | 6864.51 | 4.4 | No | 76.69 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226629 |  | 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 |  |  | 7.250% | 7.250% | $1364.35 | Yes | 18.000% | $612.96 | $51.08 | $1536.36 | $128.03 | $0.00 | $0.00 | $0.00 | $1543.46 |  | N/A | XXXX |  | $0.00 | 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 | 1.296 | 1.296 | N/A | 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 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 | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 94534.05 | 61.3 | No | 49.38 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226640 |  | 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% | $602.13 | Yes | 10.500% | $1004.40 | $83.70 | $1410.00 | $117.50 | $0.00 | $0.00 | $0.00 | $803.33 |  | N/A | XXXX |  | $0.00 | 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 | 2.059 | 2.059 | N/A | 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 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 | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 89440.50 | 111.3 | 127804.27 | 159.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226646 |  | 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 |  |  | 7.750% | 7.750% | $1077.48 | Yes | 10.250% | $352.20 | $29.35 | $1547.04 | $128.92 | $0.00 | $0.00 | $0.00 | $1235.75 |  | N/A | XXXX |  | $0.00 | 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 | 1.02 | 1.02 | N/A | 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 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 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 | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 182255.27 | 147.5 | 182255.27 | 147.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226662 |  | 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 |  |  | 7.500% | 7.500% | $436.31 | Yes | 10.500% | $421.68 | $35.14 | $812.64 | $67.72 | $0.00 | $0.00 | $0.00 | $539.17 |  | N/A | XXXX |  | $0.00 | 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 | 1.669 | 1.669 | N/A | 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 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 | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 51031.11 | 94.7 | 51031.11 | 94.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226664 |  | 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 |  |  | 8.375% | 8.375% | $627.06 | Yes | 9.625% | $1516.56 | $126.38 | $1903.92 | $158.66 | $0.00 | $0.00 | $0.00 | $912.10 |  | N/A | XXXX |  | $0.00 | 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 | 1.769 | 1.769 | N/A | 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 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 | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 16157.64 | 17.7 | 16157.64 | 17.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226671 |  | 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 |  |  | 7.375% | 7.375% | $1657.62 | Yes | 10.625% | $2175.36 | $181.28 | $1908.48 | $159.04 | $0.00 | $0.00 | $0.00 | $1997.94 |  | N/A | XXXX |  | $0.00 | 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 | 1.101 | 1.1 | N/A | 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 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 | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14612.17 | 7.3 | 14612.17 | 7.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226672 |  | 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 |  |  | 8.000% | 8.000% | $857.04 | Yes | 24.000% | $257.04 | $21.42 | $1227.36 | $102.28 | $0.00 | $0.00 | $0.00 | $980.74 |  | N/A | XXXX |  | $0.00 | 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 | 1.285 | 1.28 | N/A | 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 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 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 | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 256153.04 | 261.2 | 256153.04 | 261.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9226673 |  | 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 | 7.875% | 7.875% | $592.74 | Yes | 10.125% | $1961.40 | $163.45 | $877.44 | $73.12 | $0.00 | $0.00 | $0.00 | $829.31 |  | N/A | XXXX |  | $0.00 | 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 | 1.646 | 1.646 | N/A | 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 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 | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .01 | 0 | 23832.31 | 28.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226674 |  | 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 |  | $1000.00 | 8.000% | 8.000% | $687.98 | Yes | 10.000% | $1259.88 | $104.99 | $1624.20 | $135.35 | $0.00 | $0.00 | $0.00 | $928.32 |  | N/A | XXXX |  | $0.00 | 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 | 1.347 | 1.347 | N/A | 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 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 | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 7424.20 | 8 | 7424.20 | 8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226677 |  | 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 |  |  | 7.375% | 7.375% | $4530.83 | Yes | 10.625% | $5135.04 | $427.92 | $3570.00 | $297.50 | $0.00 | $0.00 | $0.00 | $5256.25 |  | N/A | XXXX |  | $0.00 | 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 | 1.313 | 1.31 | N/A | 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 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 | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36242.25 | 6.9 | 36242.25 | 6.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226678 |  | 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 |  |  | 7.750% | 7.750% | $4905.99 | Yes | 10.250% | $12169.56 | $1014.13 | $2049.12 | $170.76 | $0.00 | $0.00 | $0.00 | $6090.88 |  | N/A | XXXX |  | $0.00 | 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 | 1.192 | 1.192 |  | 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 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 | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 45469.89 | 7.5 | 45469.89 | 7.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226681 |  | 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 |  |  | 8.000% | 8.000% | $4696.09 | Yes | 10.000% | $3670.08 | $305.84 | $2700.00 | $225.00 | $0.00 | $0.00 | $0.00 | $5226.93 |  | N/A | XXXX |  | $0.00 | 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 | 1.186 | 1.186 | N/A | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2781047.52 | 532.1 | 2781047.52 | 532.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9241891 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.100% |  | 7.000% | 7.000% | $6653.02 | No |  | $24549.36 | $2045.78 | $7448.04 | $620.67 | $0.00 | $0.00 | $0.00 | $9319.47 | $92498.75 | N/A | XXXX |  | $0.00 | XXXX |  | 14.39% | 13.81% | 13.81% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | 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 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76318.07 | 8.2 | 76318.07 | 8.2 | No | 42.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241888 |  | 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 |  |  | 6.875% | 6.875% | $1970.79 | No |  | $10502.04 | $875.17 | $1007.04 | $83.92 | $0.00 | $0.00 | $0.00 | $2929.88 |  | N/A | XXXX |  | $0.00 | 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 | 1.28 | 1.288 | N/A | 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 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 | XXXX | XXXX | XXXX | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54647.08 | 18.7 | 54647.08 | 18.7 | No | 50.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9241902 |  | 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 |  |  | 7.125% | 7.125% | $6332.95 | No |  | $5712.96 | $476.08 | $7518.84 | $626.57 | $5280.00 | $440.00 | $0.00 | $7875.60 |  | N/A | XXXX | XXXX | $440.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.27 | 1.27 | N/A | 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 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 | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 137215.17 | 17.4 | 137215.17 | 17.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9241894 |  | 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 |  |  | 7.000% | 7.000% | $6287.11 | No |  | $5709.96 | $475.83 | $5267.04 | $438.92 | $0.00 | $0.00 | $0.00 | $7201.86 |  | N/A | XXXX |  | $0.00 | 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 | 1.305 | 1.3 | N/A | 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 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 | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 158613.42 | 22 | 158613.42 | 22 | No | 63 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9241892 |  | 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 |  |  | 6.375% | 6.250% | $7673.60 | No |  | $44128.56 | $3677.38 | $3738.84 | $311.57 | $0.00 | $0.00 | $0.00 | $11662.55 |  | N/A | XXXX |  | $0.00 | 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 | 1.286 | 1.286 | N/A | 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 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 | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1011532.69 | 86.7 | 1011532.69 | 86.7 | No | 51.25 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9241904 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/06/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.271% |  | 6.875% | 6.875% | $6543.01 | No |  | $8381.28 | $698.44 | $2241.96 | $186.83 | $567.96 | $47.33 | $0.00 | $7475.61 | $9804.39 | N/A | XXXX | XXXX | $47.33 | XXXX | Annually | 46.79% | 46.06% | 46.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 505612.56 | 67.6 | 505612.56 | 67.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241890 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.679% |  | 7.250% | 7.250% | $1023.26 | No |  | $10389.84 | $865.82 | $3396.96 | $283.08 | $0.00 | $0.00 | $0.00 | $2172.16 | $3814.48 | N/A | XXXX |  | $0.00 | XXXX |  | 43.58% | 43.58% | 43.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 140204.79 | 64.6 | No | 33.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241903 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/10/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.527% |  | 8.375% | 8.375% | $4446.42 | No |  | $3946.20 | $328.85 | $3978.00 | $331.50 | $0.00 | $0.00 | $0.00 | $5106.77 | $70900.93 | N/A | XXXX |  | $0.00 | XXXX |  | 11.92% | 11.92% | 11.92% | 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 |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 57410.34 | 11.2 | 57410.34 | 11.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241913 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $2757.12 | No |  | $6262.56 | $521.88 | $498.96 | $41.58 | $8628.00 | $719.00 | $0.00 | $4039.58 | $35553.39 | Yes | XXXX | XXXX | $719.00 | XXXX | Monthly | 19.06% | 19.06% | 19.06% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 1 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 49.00% | 51.00% |  | Borrower Prepared | 5 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2025 \|\| Co Borrower - Wage, SESCorp - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 135417.67 | 33.5 | 135417.67 | 33.5 | No | 75 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241896 |  | 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 |  |  | 7.250% | 7.250% | $1631.25 | No |  | $9567.84 | $797.32 | $1918.92 | $159.91 | $0.00 | $0.00 | $0.00 | $2588.48 |  | N/A | XXXX |  | $0.00 | 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 | 1.004 | 1.004 | N/A | 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 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 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 | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 103942.29 | 40.2 | 103942.29 | 40.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241897 |  | 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 |  |  | 7.000% | 7.000% | $1750.00 | No |  | $10746.00 | $895.50 | $1842.00 | $153.50 | $0.00 | $0.00 | $0.00 | $2799.00 |  | N/A | XXXX |  | $0.00 | 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 | 1.027 | N/A | 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 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 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 | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 104509.05 | 37.3 | 104509.05 | 37.3 | No | 74.81 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241898 |  | 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 |  |  | 7.250% | 7.250% | $2313.35 | No |  | $10221.36 | $851.78 | $3611.88 | $300.99 | $399.96 | $33.33 | $0.00 | $3499.45 |  | N/A | XXXX | XXXX | $33.33 | XXXX | Annually | 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 | 1 | N/A | 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 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 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 | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105195.68 | 30.1 | 105195.68 | 30.1 | No | 72.93 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241907 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.311% |  | 7.125% | 7.125% | $3799.77 | No |  | $8937.48 | $744.79 | $1505.04 | $125.42 | $0.00 | $0.00 | $0.00 | $4669.98 | $6920.81 | N/A | XXXX |  | $0.00 | XXXX |  | 40.47% | 40.47% | 40.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31507.44 | 6.8 | 31507.44 | 6.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241911 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/11/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.649% |  | 7.500% | 7.500% | $7041.09 | No |  | $15737.52 | $1311.46 | $2518.08 | $209.84 | $0.00 | $0.00 | $0.00 | $8562.39 | $24774.32 | N/A | XXXX |  | $0.00 | XXXX |  | 32.47% | 32.37% | 32.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 102511.20 | 12 | 102511.20 | 12 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241906 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 8.093% |  | 7.750% | 7.750% | $8312.10 | No |  | $22013.16 | $1834.43 | $1072.80 | $89.40 | $2400.00 | $200.00 | $0.00 | $10235.93 | $29580.82 | N/A | XXXX | XXXX | $200.00 | XXXX | Monthly | 29.74% | 29.74% | 25.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61325.00 | 7.3 | 61325.00 | 7.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241920 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.139% |  | 7.125% | 7.125% | $7585.40 | No |  | $7461.12 | $621.76 | $1644.96 | $137.08 | $0.00 | $0.00 | $0.00 | $8344.24 | $12423.28 | N/A | XXXX |  | $0.00 | XXXX |  | 44.21% | 44.21% | 44.21% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 89.81% | 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 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership, Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 69240.05 | 8.3 | 69240.05 | 8.3 | No | 61.36 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241899 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/02/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.696% |  | 7.375% | 7.375% | $3411.94 | No |  | $7027.32 | $585.61 | $3183.96 | $265.33 | $3000.00 | $250.00 | $0.00 | $4512.88 | $7854.73 | N/A | XXXX | XXXX | $250.00 | XXXX | Monthly | 41.99% | 41.85% | 41.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31169.08 | 6.9 | 31169.08 | 6.9 | No | 89.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9230361 |  | 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 |  |  | 7.500% | 7.500% | $1311.73 | Yes | 18.000% | $2679.60 | $223.30 | $2545.08 | $212.09 | $0.00 | $0.00 | $0.00 | $1747.12 |  | N/A | XXXX |  | $0.00 | 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 | 1.345 | 1.345 | N/A | 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 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 | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | License to Carry Handgun | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 112049.65 | 73 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230364 |  | 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 |  |  | 7.250% | 7.250% | $913.43 | Yes | 18.000% | $2526.60 | $210.55 | $7704.96 | $642.08 | $0.00 | $0.00 | $0.00 | $1766.06 |  | N/A | XXXX |  | $0.00 | 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 | 1.014 | 1.013 | N/A | 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 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 | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 54743.79 | 48.7 | Yes | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230369 |  | 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 |  |  | 7.375% | 7.375% | $1854.46 | Yes | 24.000% | $3437.04 | $286.42 | $5466.12 | $455.51 | $0.00 | $0.00 | $0.00 | $2596.39 |  | N/A | XXXX |  | $0.00 | 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 | 1.229 | 1.228 | N/A | 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 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 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 | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 95234.56 | 44.5 | 103602.53 | 48.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9230379 |  | 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 |  |  | 8.000% | 8.000% | $1309.77 | Yes | 10.000% | $2715.60 | $226.30 | $5930.28 | $494.19 | $0.00 | $0.00 | $0.00 | $2030.26 |  | N/A | XXXX |  | $0.00 | 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 | 1.65 | 1.65 | N/A | 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 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 | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 157248.65 | 102.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230380 |  | 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 |  |  | 7.750% | 7.750% | $1862.67 | Yes | 10.250% | $4444.92 | $370.41 | $4271.04 | $355.92 | $0.00 | $0.00 | $0.00 | $2589.00 |  | N/A | XXXX |  | $0.00 | 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 | 1.607 | 1.606 | N/A | 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 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 | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18126.79 | 8.1 | 18126.79 | 8.1 | Yes | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230385 |  | 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 |  |  | 8.500% | 8.500% | $639.74 | Yes | 9.500% | $1316.04 | $109.67 | $2406.48 | $200.54 | $0.00 | $0.00 | $0.00 | $949.95 |  | N/A | XXXX |  | $0.00 | 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 | 2.105 | 2.105 | N/A | 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 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 | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15588.44 | 20.8 | 15588.44 | 20.8 | Yes | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230362 |  | 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 |  |  | 7.375% | 7.375% | $745.93 | Yes | 24.000% | $2130.00 | $177.50 | $2409.00 | $200.75 | $0.00 | $0.00 | $0.00 | $1124.18 |  | N/A | XXXX |  | $0.00 | 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 | 1.156 | 1.156 | N/A | 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 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 | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25972.71 | 23.1 | 38809.81 | 34.5 | No | 73.97 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9226607 |  | 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 |  |  | 7.875% | 7.875% | $612.68 | Yes | 24.000% | $1293.72 | $107.81 | $1356.24 | $113.02 | $2688.00 | $224.00 | $0.00 | $1057.51 |  | Yes | XXXX | XXXX | $224.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.291 | 1.291 | N/A | 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 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 | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61629.76 | 58.3 | 61629.76 | 58.3 | No | 65 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230375 |  | 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 |  |  | 7.375% | 7.375% | $994.57 | Yes | 24.000% | $624.00 | $52.00 | $1140.96 | $95.08 | $0.00 | $0.00 | $0.00 | $1141.65 |  | N/A | XXXX |  | $0.00 | 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 | 1.27 | 1.27 |  | 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 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 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 | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 132569.43 | 116.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9230381 |  | 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 |  |  | 8.000% | 8.000% | $4696.09 | Yes | 10.000% | $14000.04 | $1166.67 | $2750.04 | $229.17 | $0.00 | $0.00 | $0.00 | $6091.93 |  | N/A | XXXX |  | $0.00 | 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 | 1.03 | 1.03 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2780184.90 | 456.4 | 2780184.90 | 456.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230382 |  | 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 |  |  | 8.000% | 8.000% | $4842.85 | Yes | 10.000% | $13119.60 | $1093.30 | $3200.04 | $266.67 | $0.00 | $0.00 | $0.00 | $6202.82 |  | N/A | XXXX |  | $0.00 | 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 | 1.209 | 1.209 |  | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2770570.10 | 446.7 | 2770570.10 | 446.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230383 |  | 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% | $4047.66 | Yes | 9.750% | $10646.76 | $887.23 | $2700.00 | $225.00 | $0.00 | $0.00 | $0.00 | $5159.89 |  | N/A | XXXX |  | $0.00 | 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 | 1.008 | 1.008 | N/A | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2742669.15 | 531.5 | 2742669.15 | 531.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230384 |  | 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 |  |  | 7.875% | 7.875% | $3712.73 | Yes | 10.125% | $6696.36 | $558.03 | $2700.00 | $225.00 | $0.00 | $0.00 | $0.00 | $4495.76 |  | N/A | XXXX |  | $0.00 | 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 | N/A | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2732079.48 | 607.7 | 2732079.48 | 607.7 | No | 73 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230386 |  | 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 |  |  | 7.750% | 7.750% | $2847.74 | Yes | 18.000% | $3048.00 | $254.00 | $2455.08 | $204.59 | $0.00 | $0.00 | $0.00 | $3306.33 |  | N/A | XXXX |  | $0.00 | 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 | 1.18 | 1.18 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 156694.23 | 47.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230387 |  | 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 |  |  | 7.750% | 7.750% | $1477.60 | Yes | 18.000% | $792.96 | $66.08 | $1160.04 | $96.67 | $0.00 | $0.00 | $0.00 | $1640.35 |  | N/A | XXXX |  | $0.00 | 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 | 1.158 | 1.16 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 71901.76 | 43.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230388 |  | 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 |  |  | 7.750% | 7.750% | $1203.57 | Yes | 18.000% | $740.64 | $61.72 | $1175.04 | $97.92 | $0.00 | $0.00 | $0.00 | $1363.21 |  | N/A | XXXX |  | $0.00 | 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 | 1.21 | 1.21 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 17334.22 | 12.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230389 |  | 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 |  |  | 7.750% | 7.750% | $1589.72 | Yes | 18.000% | $570.96 | $47.58 | $738.96 | $61.58 | $0.00 | $0.00 | $0.00 | $1698.88 |  | N/A | XXXX |  | $0.00 | 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 | 1.06 | 1.06 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 60586.64 | 35.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230390 |  | 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 |  |  | 7.750% | 7.750% | $2159.98 | Yes | 18.000% | $1095.96 | $91.33 | $1176.00 | $98.00 | $0.00 | $0.00 | $0.00 | $2349.31 |  | N/A | XXXX |  | $0.00 | 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 | 1.188 | 1.19 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 77929.43 | 33.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230391 |  | 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 |  |  | 7.750% | 7.750% | $1509.84 | Yes | 18.000% | $1097.52 | $91.46 | $1010.04 | $84.17 | $0.00 | $0.00 | $0.00 | $1685.47 |  | N/A | XXXX |  | $0.00 | 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 | 1.212 | 1.212 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 57063.72 | 33.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230392 |  | 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 |  |  | 7.750% | 7.750% | $1359.03 | Yes | 18.000% | $392.04 | $32.67 | $1808.04 | $150.67 | $0.00 | $0.00 | $0.00 | $1542.37 |  | N/A | XXXX |  | $0.00 | 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 | 1.07 | 1.07 | N/A | 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 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 | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 30583.47 | 19.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230393 |  | 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 | 7.250% | 7.250% | $813.50 | Yes | 24.000% | $375.00 | $31.25 | $1299.00 | $108.25 | $0.00 | $0.00 | $0.00 | $953.00 |  | N/A | XXXX |  | $0.00 | 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 | 1.364 | 1.364 |  | 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 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 | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1883.75 | 2 | 25129.38 | 26.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230394 |  | 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 |  |  | 7.750% | 7.750% | $526.56 | Yes | 24.000% | $456.96 | $38.08 | $959.76 | $79.98 | $0.00 | $0.00 | $0.00 | $644.62 |  | N/A | XXXX |  | $0.00 | 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 | 1.588 | 1.588 | N/A | 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 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 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 | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12388.56 | 6.4 | 12388.56 | 6.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9230395 |  | 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 |  |  | 7.375% | 7.375% | $11106.06 | Yes | 18.000% | $27166.08 | $2263.84 | $22891.08 | $1907.59 | $0.00 | $0.00 | $0.00 | $15277.49 |  | N/A | XXXX |  | $0.00 | 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 | 1.06 | 1.06 | N/A | 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 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 | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 436739.32 | 28.6 | Yes | 68.51 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9230398 |  | 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 |  |  | 7.375% | 7.375% | $10698.56 | Yes | 18.000% | $33097.68 | $2758.14 | $18954.36 | $1579.53 | $0.00 | $0.00 | $0.00 | $15036.23 |  | N/A | XXXX |  | $0.00 | 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 | 1.015 | 1.015 | N/A | 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 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 | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 475709.48 | 35.4 | Yes | 63.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9218064 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/15/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.582% |  | 7.375% | 7.375% | $1961.52 | No |  | $2472.12 | $206.01 | $2325.12 | $193.76 | $0.00 | $0.00 | $0.00 | $2361.29 | $5948.00 | N/A | XXXX |  | $0.00 | XXXX |  | 44.63% | 44.11% | 44.11% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 100.00% | 100.00% | 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 | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 8396.05 | 3.6 | 8396.05 | 3.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9218066 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 8.123% |  | 7.875% | 7.875% | $2693.20 | No |  | $2595.12 | $216.26 | $785.04 | $65.42 | $6707.28 | $558.94 | $0.00 | $3533.82 | $6251.73 | Yes | XXXX | XXXX | $558.94 | XXXX | Monthly | 36.11% | 36.11% | 30.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Passport | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2004.46 | 0.7 | 63868.55 | 21.5 | No | 42.04 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218058 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2566.75 | No |  | $7308.72 | $609.06 | $1257.00 | $104.75 | $0.00 | $0.00 | $0.00 | $3280.56 | $18612.63 | N/A | XXXX |  | $0.00 | XXXX |  | 50.55% | 39.97% | 39.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 286786.68 | 87.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9218068 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.409% |  | 7.125% | 7.125% | $3638.08 | No |  | $6219.60 | $518.30 | $3211.20 | $267.60 | $834.96 | $69.58 | $0.00 | $4493.56 | $6047.51 | N/A | XXXX | XXXX | $69.58 | XXXX | Annually | 47.85% | 47.79% | 47.79% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 56.84% | 0.00% | 100.00% | 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 |  | N/A | Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified - 2025 - 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2025 - 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 116147.82 | 25.9 | 116147.82 | 25.9 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9218047 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/04/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 9.070% |  | 8.625% | 8.625% | $1454.47 | No |  | $4969.56 | $414.13 | $2291.52 | $190.96 | $0.00 | $0.00 | $0.00 | $2059.56 | $14914.34 | N/A | XXXX |  | $0.00 | XXXX |  | 32.48% | 32.48% | 32.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 86.96% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 76298.81 | 37.1 | 76298.81 | 37.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218050 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.034% |  | 7.875% | 7.875% | $2668.26 | No |  | $6636.00 | $553.00 | $3123.96 | $260.33 | $0.00 | $0.00 | $0.00 | $3481.59 | $16637.74 | N/A | XXXX |  | $0.00 | XXXX |  | 31.47% | 31.47% | 31.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 116659.10 | 33.5 | 116659.10 | 33.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218062 |  | 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 |  |  | 7.875% | 7.875% | $1674.91 | No |  | $3352.80 | $279.40 | $2223.00 | $185.25 | $3108.00 | $259.00 | $0.00 | $2398.56 |  | N/A | XXXX | XXXX | $259.00 | 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 | 0.865 | 0.865 | N/A | 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 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 | XXXX | XXXX | XXXX | 818 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58511.41 | 24.4 | 58511.41 | 24.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9218051 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.537% |  | 8.375% | 8.375% | $4343.81 | No |  | $11336.52 | $944.71 | $6862.44 | $571.87 | $0.00 | $0.00 | $0.00 | $5860.39 | $21033.60 | N/A | XXXX |  | $0.00 | XXXX |  | 39.92% | 39.90% | 39.90% | 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 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 200900.66 | 34.3 | 200900.66 | 34.3 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9217061 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.080% |  | 7.625% | 7.625% | $6365.59 | No |  | $11551.92 | $962.66 | $2571.12 | $214.26 | $0.00 | $0.00 | $0.00 | $7542.51 | $13078.29 | N/A | XXXX |  | $0.00 | XXXX |  | 47.68% | 47.70% | 47.70% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | 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 |  | N/A | Borrower - Wage, SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership, SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 94747.52 | 12.6 | 75296.76 | 10 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9246378 |  | 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 |  |  | 8.125% | 8.125% | $980.10 | Yes | 18.000% | $2346.84 | $195.57 | $357.96 | $29.83 | $0.00 | $0.00 | $0.00 | $1205.50 |  | N/A | XXXX |  | $0.00 | 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 | 0.995 | 0.995 | N/A | 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 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 | XXXX | XXXX | XXXX | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 207488.66 | 172.1 | 207488.66 | 172.1 | No | 69.84 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9246413 |  | 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 |  |  | 7.625% | 7.625% | $1716.40 | Yes | 18.000% | $3861.96 | $321.83 | $1283.04 | $106.92 | $0.00 | $0.00 | $0.00 | $2145.15 |  | N/A | XXXX |  | $0.00 | 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 | 0.979 | 0.979 | N/A | 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 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 | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46175.79 | 21.5 | 46175.79 | 21.5 | No | 74.62 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9246417 |  | 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 |  |  | 8.500% | 8.500% | $778.52 | Yes | 18.000% | $3200.52 | $266.71 | $1298.28 | $108.19 | $0.00 | $0.00 | $0.00 | $1153.42 |  | N/A | XXXX |  | $0.00 | 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% |  |  | Crypto Currency |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.997 | 0.997 | N/A | 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 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 | XXXX | XXXX | XXXX | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34265.43 | 29.7 | 126619.93 | 109.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9246428 |  | 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 |  |  | 7.875% | 7.875% | $2169.77 | Yes | 18.000% | $4644.48 | $387.04 | $1241.04 | $103.42 | $432.00 | $36.00 | $0.00 | $2696.23 |  | N/A | XXXX | XXXX | $36.00 | 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 | 0.872 | 0.872 | N/A | 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 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 | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 139774.89 | 51.8 | 139774.89 | 51.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9246430 |  | 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 |  |  | 7.750% | 7.750% | $1624.82 | Yes | 18.000% | $4894.44 | $407.87 | $1047.00 | $87.25 | $1980.00 | $165.00 | $0.00 | $2284.94 |  | N/A | XXXX | XXXX | $165.00 | 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 | 0.919 | 0.919 | N/A | 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 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 | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 315621.23 | 138.1 | 315621.23 | 138.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9217093 |  | 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 |  |  | 7.875% | 7.875% | $1848.93 | No |  | $16799.04 | $1399.92 | $2325.96 | $193.83 | $1188.00 | $99.00 | $0.00 | $3541.68 |  | N/A | XXXX | XXXX | $99.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.355 | 1.4 | N/A | 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 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 | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25231.04 | 7.1 | 25231.04 | 7.1 | No | 27.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9218057 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.763% |  | 7.625% | 7.625% | $5573.88 | No |  | $13125.00 | $1093.75 | $4070.04 | $339.17 | $0.00 | $0.00 | $0.00 | $7006.80 | $9794.66 | N/A | XXXX |  | $0.00 | XXXX |  | 45.11% | 45.05% | 45.05% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 59.06% | 0.00% | 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 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | INTERIM DRIVER LICENSE | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 89254.44 | 12.7 | 89254.44 | 12.7 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9217121 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.808% |  | 8.375% | 8.375% | $5472.52 | No |  | $9463.08 | $788.59 | $5808.96 | $484.08 | $1154.04 | $96.17 | $0.00 | $6841.36 | $33043.64 | N/A | XXXX | XXXX | $96.17 | XXXX | Annually | 34.29% | 33.68% | 33.68% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 148266.63 | 21.7 | 90766.63 | 13.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218056 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.675% |  | 7.375% | 7.375% | $3066.60 | No |  | $8718.48 | $726.54 | $2726.04 | $227.17 | $1200.00 | $100.00 | $0.00 | $4120.31 | $19606.01 | N/A | XXXX | XXXX | $100.00 | XXXX | Annually | 23.08% | 23.08% | 23.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105293.73 | 25.6 | 105293.73 | 25.6 | No | 72.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241889 |  | 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 |  |  | 6.375% | 6.375% | $1091.77 | No |  | $3013.92 | $251.16 | $405.96 | $33.83 | $0.00 | $0.00 | $0.00 | $1376.76 |  | N/A | XXXX |  | $0.00 | 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 | 1.471 | 1.37 | N/A | 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 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 | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 148519.35 | 107.9 | 148519.35 | 107.9 | No | 42.68 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9218059 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.252% |  | 7.125% | 7.125% | $1657.35 | No |  | $1454.40 | $121.20 | $752.04 | $62.67 | $0.00 | $0.00 | $0.00 | $1841.22 | $29240.45 | N/A | XXXX |  | $0.00 | XXXX |  | 7.11% | 7.11% | 7.11% | No |  |  |  |  |  |  |  | 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 |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 63190.94 | 34.3 | 63190.94 | 34.3 | No | 72.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217132 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.197% |  | 7.000% | 7.000% | $4465.84 | No |  | $8201.64 | $683.47 | $1515.96 | $126.33 | $840.00 | $70.00 | $0.00 | $5345.64 | $257627.94 | N/A | XXXX | XXXX | $70.00 | XXXX | Monthly | 11.03% | 11.03% | 11.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 799085.89 | 149.5 | 799085.89 | 149.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218061 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.654% |  | 8.375% | 8.375% | $1431.22 | No |  | $1337.04 | $111.42 | $2022.96 | $168.58 | $0.00 | $0.00 | $0.00 | $1711.22 | $2286.47 | N/A | XXXX |  | $0.00 | XXXX |  | 42.81% | 42.81% | 42.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS 1099 Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 79391.64 | 46.4 | 79391.64 | 46.4 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217032 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | DU | Approve Eligible | No | 8.796% |  | 8.375% | 6.375% | $1276.92 | No |  | $2330.40 | $194.20 | $1508.04 | $125.67 | $5580.00 | $465.00 | $0.00 | $2061.79 | $2788.18 | Yes | XXXX | XXXX | $465.00 | XXXX | Monthly | 42.51% | 42.51% | 42.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11405.45 | 5.5 | 11405.45 | 5.5 | No | 60 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217049 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/27/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.009% |  | 7.875% | 7.875% | $8845.85 | No |  | $19062.48 | $1588.54 | $7283.04 | $606.92 | $0.00 | $0.00 | $0.00 | $11041.31 | $380159.80 | N/A | XXXX |  | $0.00 | XXXX |  | 13.47% | 13.61% | 13.61% | No |  |  |  |  |  |  |  | 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 |  |  |  | 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) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 363434.00 | 32.9 | 363434.00 | 32.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218069 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/06/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.493% |  | 7.375% | 7.375% | $13399.47 | No |  | $28966.20 | $2413.85 | $2544.96 | $212.08 | $0.00 | $0.00 | $0.00 | $16025.40 | $45802.78 | N/A | XXXX |  | $0.00 | XXXX |  | 28.24% | 28.13% | 23.30% | 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 | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 137218.16 | 10.6 | 137218.16 | 10.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241905 |  | 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 |  |  | 6.875% | 6.875% | $3862.74 | No |  | $1864.56 | $155.38 | $2112.96 | $176.08 | $0.00 | $0.00 | $0.00 | $4194.20 |  | N/A | XXXX |  | $0.00 | 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 | 1.049 | 1.049 | N/A | 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 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 | XXXX | XXXX | XXXX | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 3327.00 | 0.8 | 242618.19 | 57.9 | No | 69.59 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9241912 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.751% |  | 7.375% | 7.375% | $2652.19 | No |  | $7222.56 | $601.88 | $1980.00 | $165.00 | $2100.00 | $175.00 | $0.00 | $3594.07 | $5978.22 | N/A | XXXX | XXXX | $175.00 | XXXX | Monthly | 45.73% | 48.30% | 48.30% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 24 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 24 | 24 | No | Yes | 0 | 0 | 80.69% | 100.00% | 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 | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27489.76 | 7.7 | 27489.76 | 7.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241893 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.450% |  | 7.125% | 7.125% | $8354.11 | No |  | $3021.96 | $251.83 | $1997.04 | $166.42 | $0.00 | $0.00 | $0.00 | $8772.36 | $21468.80 | N/A | XXXX |  | $0.00 | XXXX |  | 38.58% | 38.57% | 38.57% | 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 |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 409807.99 | 46.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241895 |  | 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 |  |  | 7.375% | 7.375% | $1281.20 | No |  | $851.40 | $70.95 | $1352.04 | $112.67 | $0.00 | $0.00 | $0.00 | $1464.82 |  | N/A | XXXX |  | $0.00 | 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 | 1.331 | 1.331 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null 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 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 | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 181785.86 | 124.1 | 181785.86 | 124.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241901 |  | 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 |  |  | 6.750% | 6.750% | $2247.39 | No |  | $5156.64 | $429.72 | $1081.80 | $90.15 | $0.00 | $0.00 | $0.00 | $2767.26 |  | N/A | XXXX |  | $0.00 | 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 | 1.445 | 1.445 | N/A | 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 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 | XXXX | XXXX | XXXX | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33146.48 | 12 | 33146.48 | 12 | No | 40.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9241910 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.269% |  | 6.875% | 6.875% | $3416.03 | No |  | $10791.36 | $899.28 | $7833.96 | $652.83 | $3096.00 | $258.00 | $0.00 | $5226.14 | $14209.03 | N/A | XXXX | XXXX | $258.00 | XXXX | Monthly | 29.69% | 29.69% | 29.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 5 | Accountant/Bookkeeper |  |  |  | Yes | 29 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1, Extension), CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1, Extension), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 127998.73 | 24.5 | 127998.73 | 24.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241900 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/26/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.683% |  | 7.250% | 7.250% | $3726.73 | No |  | $8100.72 | $675.06 | $2186.76 | $182.23 | $549.96 | $45.83 | $0.00 | $4629.85 | $14767.94 | N/A | XXXX | XXXX | $45.83 | XXXX | Annually | 32.45% | 32.45% | 32.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 24 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50080.42 | 10.8 | 50080.42 | 10.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241909 |  | 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 |  |  | 7.250% | 7.250% | $2680.23 | No |  | $9458.28 | $788.19 | $6852.12 | $571.01 | $8316.00 | $693.00 | $0.00 | $4732.43 |  | Yes | XXXX | XXXX | $693.00 | 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 | 0.854 | 0.85 | N/A | 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 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 | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 411040.34 | 86.9 | No | 65 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9241917 |  | 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 |  |  | 7.250% | 7.250% | $2558.16 | No |  | $7895.16 | $657.93 | $1308.00 | $109.00 | $5508.00 | $459.00 | $0.00 | $3784.09 |  | Yes | XXXX | XXXX | $459.00 | 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 | 0.872 | 0.87 | N/A | 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 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 | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 84071.01 | 22.2 | No | 53.19 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9218055 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/16/2025 | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.008% |  | 6.750% | 6.750% | $2438.73 | No |  | $2695.44 | $224.62 | $956.04 | $79.67 | $0.00 | $0.00 | $0.00 | $2743.02 | $7080.05 | N/A | XXXX |  | $0.00 | XXXX |  | 29.50% | 29.50% | 29.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4483.50 | 1.6 | 8793.43 | 3.2 | No | 67.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218045 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 9.053% |  | 8.625% | 8.625% | $3395.05 | No |  | $9702.00 | $808.50 | $1587.96 | $132.33 | $200.04 | $16.67 | $0.00 | $4352.55 | $36744.65 | N/A | XXXX | XXXX | $16.67 | XXXX | Annually | 16.71% | 16.71% | 16.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54404.09 | 12.5 | 54404.09 | 12.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217117 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | DU | Approve Eligible | No | 7.966% |  | 7.625% | 7.625% | $2780.21 | No |  | $2066.40 | $172.20 | $1751.76 | $145.98 | $249.96 | $20.83 | $0.00 | $3119.22 | $8005.82 | N/A | XXXX | XXXX | $20.83 | XXXX | Annually | 41.16% | 41.16% | 41.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 26667.15 | 8.6 | 26667.15 | 8.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218052 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 9.017% |  | 8.625% | 8.625% | $1011.13 | No |  | $2029.92 | $169.16 | $2556.00 | $213.00 | $0.00 | $0.00 | $0.00 | $1393.29 | $2762.01 | N/A | XXXX |  | $0.00 | XXXX |  | 42.78% | 42.78% | 42.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 39607.56 | 28.4 | No | 66.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217037 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/09/2025 | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.605% |  | 7.375% | 7.375% | $3543.16 | No |  | $4806.84 | $400.57 | $9191.88 | $765.99 | $0.00 | $0.00 | $0.00 | $4709.72 | $69145.18 | N/A | XXXX |  | $0.00 | XXXX |  | 7.97% | 7.97% | 7.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 450931.67 | 95.7 | 450931.67 | 95.7 | No | 54.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217072 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.139% |  | 7.875% | 7.875% | $3457.49 | No |  | $7012.56 | $584.38 | $1999.56 | $166.63 | $0.00 | $0.00 | $0.00 | $4208.50 | $10192.30 | N/A | XXXX |  | $0.00 | XXXX |  | 41.52% | 41.52% | 41.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 128324.17 | 30.5 | 128324.17 | 30.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218067 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 6.978% |  | 6.875% | 6.875% | $5656.16 | No |  | $1367.16 | $113.93 | $1910.76 | $159.23 | $50.04 | $4.17 | $0.00 | $5933.49 | $11274.98 | N/A | XXXX | XXXX | $4.17 | XXXX | Annually | 34.60% | 35.24% | 35.24% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1099 Verified | 2 YRS 1099 | 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 | Yes | 0 | 0 | 0.00% |  | 100.00% |  | 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 |  | N/A | Borrower - 2 YRS 1099 Verified \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40267.06 | 6.8 | 40267.06 | 6.8 | No | 52.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9218048 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/10/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.061% |  | 7.625% | 7.625% | $1511.85 | No |  | $2432.40 | $202.70 | $1904.04 | $158.67 | $0.00 | $0.00 | $0.00 | $1873.22 | $3918.35 | N/A | XXXX |  | $0.00 | XXXX |  | 37.78% | 37.78% | 37.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105388.73 | 56.3 | 105388.73 | 56.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217115 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/26/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 9.203% |  | 8.875% | 8.875% | $4296.48 | No |  | $6732.12 | $561.01 | $3633.00 | $302.75 | $720.00 | $60.00 | $0.00 | $5220.24 | $54570.67 | N/A | XXXX | XXXX | $60.00 | XXXX | Annually | 11.33% | 11.33% | 11.33% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 97020.50 | 18.6 | 97020.50 | 18.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217053 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.996% |  | 8.625% | 8.625% | $5089.66 | No |  | $10339.68 | $861.64 | $3386.04 | $282.17 | $0.00 | $0.00 | $0.00 | $6233.47 | $11289.99 | N/A | XXXX |  | $0.00 | XXXX |  | 49.82% | 49.82% | 49.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA |  |  | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4877.38 | 0.8 | 51751.84 | 8.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241908 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/27/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 6.735% |  | 6.250% | 6.250% | $5621.50 | No |  | $16687.44 | $1390.62 | $2400.00 | $200.00 | $0.00 | $0.00 | $0.00 | $7212.12 | $7360.88 | N/A | XXXX |  | $0.00 | XXXX |  | 49.90% | 49.63% | 49.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 652709.00 | 90.5 | 652709.00 | 90.5 | No | 74.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9241916 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.247% |  | 7.125% | 7.125% | $5982.62 | No |  | $3933.48 | $327.79 | $1382.04 | $115.17 | $0.00 | $0.00 | $0.00 | $6425.58 | $132844.76 | N/A | XXXX |  | $0.00 | XXXX |  | 6.28% | 7.04% | 7.04% | 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% | 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 |  | N/A | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership, SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 91621.33 | 14.3 | 91621.33 | 14.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9241915 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 6.824% |  | 6.500% | 6.500% | $4740.51 | No |  | $16875.00 | $1406.25 | $2262.96 | $188.58 | $0.00 | $0.00 | $0.00 | $6335.34 | $7490.87 | N/A | XXXX |  | $0.00 | XXXX |  | 48.08% | 48.74% | 48.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 42.97% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 624329.29 | 98.6 | 624329.29 | 98.6 | No | 56.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217038 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.968% |  | 7.875% | 7.875% | $10362.78 | No |  | $22331.40 | $1860.95 | $2175.00 | $181.25 | $1860.00 | $155.00 | $0.00 | $12559.98 | $24053.68 | N/A | XXXX | XXXX | $155.00 | XXXX | Monthly | 42.84% | 42.84% | 42.84% | 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 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 204102.05 | 16.3 | 204102.05 | 16.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9218065 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.817% |  | 8.625% | 8.625% | $2695.04 | No |  | $3441.96 | $286.83 | $1436.28 | $119.69 | $0.00 | $0.00 | $0.00 | $3101.56 | $12143.72 | N/A | XXXX |  | $0.00 | XXXX |  | 41.29% | 41.29% | 41.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 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 |  | N/A | Borrower - SESoleProprietor, 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61901.46 | 20 | 61901.46 | 20 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217092 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.973% |  | 8.625% | 8.625% | $2479.20 | No |  | $2720.28 | $226.69 | $2976.72 | $248.06 | $50.04 | $4.17 | $0.00 | $2958.12 | $24789.52 | N/A | XXXX | XXXX | $4.17 | XXXX | Annually | 21.41% | 21.30% | 21.30% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 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 | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 638 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 55988.36 | 18.9 | 55988.36 | 18.9 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9218390 |  | 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 |  |  | 6.625% | 6.625% | $1368.66 | No |  | $3526.80 | $293.90 | $2094.00 | $174.50 | $756.00 | $63.00 | $0.00 | $1900.06 |  | N/A | XXXX | XXXX | $63.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.105 | 1.105 | N/A | 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 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 | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61149.64 | 32.2 | 61149.64 | 32.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9218571 |  | 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 |  |  | 7.499% | 7.499% | $3289.48 | No |  | $943.44 | $78.62 | $1485.00 | $123.75 | $600.00 | $50.00 | $0.00 | $3541.85 | $96749.83 | N/A | XXXX | XXXX | $50.00 | XXXX | Monthly | 42.08% | 42.26% | 42.26% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 145283.19 | 41 | 145283.19 | 41 | No | 78.42 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9218049 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.110% |  | 6.875% | 6.875% | $4164.93 | No |  | $3542.16 | $295.18 | $2954.04 | $246.17 | $0.00 | $0.00 | $0.00 | $4706.28 | $160235.29 | N/A | XXXX |  | $0.00 | XXXX |  | 8.33% | 7.87% | 7.87% | 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 |  |  |  | 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) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 435866.27 | 92.6 | 435866.27 | 92.6 | No | 72.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217063 |  | 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 |  |  | 7.750% | 7.750% | $716.41 | No |  | $7200.00 | $600.00 | $717.12 | $59.76 | $4296.00 | $358.00 | $0.00 | $1734.17 |  | N/A | XXXX | XXXX | $358.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.47 | 1.465 | N/A | 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 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 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 | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 28201969.09 | 16262.5 | No | 23.67 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9217027 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 9.346% |  | 9.250% | 9.250% | $6054.89 | No |  | $14621.88 | $1218.49 | $1521.96 | $126.83 | $0.00 | $0.00 | $0.00 | $7400.21 | $16564.14 | N/A | XXXX |  | $0.00 | XXXX |  | 31.50% | 31.50% | 31.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24179.39 | 3.3 | 41114.10 | 5.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217023 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.329% |  | 8.000% | 8.000% | $2806.65 | No |  | $4688.40 | $390.70 | $3714.12 | $309.51 | $450.00 | $37.50 | $0.00 | $3544.36 | $14285.42 | N/A | XXXX | XXXX | $37.50 | XXXX | Annually | 39.98% | 39.98% | 39.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 156670.97 | 44.2 | 156670.97 | 44.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217033 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.878% |  | 7.500% | 7.500% | $2237.49 | No |  | $6399.96 | $533.33 | $3146.04 | $262.17 | $0.00 | $0.00 | $0.00 | $3032.99 | $21167.01 | N/A | XXXX |  | $0.00 | XXXX |  | 21.40% | 21.40% | 21.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37464.84 | 12.4 | 37464.84 | 12.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217105 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/13/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.367% |  | 7.125% | 7.125% | $4622.01 | No |  | $12433.80 | $1036.15 | $3615.00 | $301.25 | $0.00 | $0.00 | $0.00 | $5959.41 | $9318.05 | N/A | XXXX |  | $0.00 | XXXX |  | 39.01% | 39.01% | 39.01% | No |  |  |  |  |  |  |  | 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 | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 48341.10 | 8.1 | 48341.10 | 8.1 | No | 68.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217090 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.021% |  | 7.875% | 7.875% | $3117.80 | No |  | $13412.64 | $1117.72 | $4241.64 | $353.47 | $639.96 | $53.33 | $0.00 | $4642.32 | $54249.08 | N/A | XXXX | XXXX | $53.33 | XXXX | Annually | 23.32% | 23.32% | 23.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22954.08 | 4.9 | 22954.08 | 4.9 | No | 70.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217041 |  | 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 |  |  | 7.875% | 7.875% | $2251.34 | No |  | $4252.56 | $354.38 | $3601.08 | $300.09 | $0.00 | $0.00 | $0.00 | $2905.81 |  | N/A | XXXX |  | $0.00 | 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 | 1.583 | 1.583 | N/A | 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 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 | XXXX | XXXX | XXXX | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 87308.38 | 30.1 | 87308.38 | 30.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9217118 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.938% |  | 8.625% | 8.625% | $4132.01 | No |  | $2600.04 | $216.67 | $747.00 | $62.25 | $8748.00 | $729.00 | $0.00 | $5139.93 | $48730.48 | Yes | XXXX | XXXX | $729.00 | XXXX | Monthly | 12.73% | 12.73% | 12.73% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 98.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 479396.60 | 93.3 | 479396.60 | 93.3 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217094 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.193% |  | 7.125% | 7.125% | $11135.59 | No |  | $23937.48 | $1994.79 | $1035.96 | $86.33 | $9828.00 | $819.00 | $0.00 | $14035.71 | $91321.72 | Yes | XXXX | XXXX | $819.00 | XXXX | Monthly | 15.79% | 15.79% | 13.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.33% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 63632.07 | 5.6 | 63632.07 | 5.6 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217087 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/11/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.747% |  | 7.500% | 7.500% | $4474.97 | No |  | $6066.24 | $505.52 | $3468.96 | $289.08 | $0.00 | $0.00 | $0.00 | $5269.57 | $6092.39 | N/A | XXXX |  | $0.00 | XXXX |  | 48.49% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 24 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 222150.11 | 42.2 | 364162.98 | 69.1 | No | 77.11 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217137 |  | 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 |  |  | 7.500% | 7.500% | $1402.80 | No |  | $1559.28 | $129.94 | $767.64 | $63.97 | $339.00 | $28.25 | $0.00 | $1624.96 |  | N/A | XXXX | XXXX | $28.25 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.077 | 1.08 | N/A | 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 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 | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47774.12 | 29.4 | 47774.12 | 29.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9217125 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.390% |  | 7.250% | 7.250% | $3003.29 | No |  | $4652.16 | $387.68 | $6301.68 | $525.14 | $0.00 | $0.00 | $0.00 | $3916.11 | $36967.85 | N/A | XXXX |  | $0.00 | XXXX |  | 15.23% | 15.23% | 15.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 107976.04 | 27.6 | 107976.04 | 27.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217123 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1611.35 | No |  | $2392.80 | $199.40 | $3227.04 | $268.92 | $0.00 | $0.00 | $0.00 | $2079.67 | $8732.38 | N/A | XXXX |  | $0.00 | XXXX |  | 45.88% | 45.88% | 45.88% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | Yes | 42 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6436.01 | 3.1 | 13577.26 | 6.5 | No | 58.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9217086 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.026% |  | 6.875% | 6.875% | $5389.99 | No |  | $4916.88 | $409.74 | $8853.00 | $737.75 | $0.00 | $0.00 | $0.00 | $6537.48 | $17649.40 | N/A | XXXX |  | $0.00 | XXXX |  | 32.55% | 32.64% | 32.64% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 24 | 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 |  | N/A | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5838.96 | 0.9 | 389509.23 | 59.6 | No | 74.25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9217021 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.861% |  | 7.750% | 7.750% | $3725.34 | No |  | $3547.80 | $295.65 | $1130.04 | $94.17 | $0.00 | $0.00 | $0.00 | $4115.16 | $18813.84 | N/A | XXXX |  | $0.00 | XXXX |  | 28.57% | 28.47% | 28.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 291987.10 | 71 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217133 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/01/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.379% |  | 7.125% | 7.125% | $13503.64 | No |  | $17758.32 | $1479.86 | $19913.76 | $1659.48 | $0.00 | $0.00 | $0.00 | $16642.98 | $37844.49 | N/A | XXXX |  | $0.00 | XXXX |  | 37.97% | 38.15% | 32.82% | No |  |  |  |  |  |  |  | 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 | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 344572.04 | 25.8 | No | 73.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217082 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1705.07 | No |  | $5052.48 | $421.04 | $2092.32 | $174.36 | $2400.00 | $200.00 | $0.00 | $2500.47 | $6895.64 | N/A | XXXX | XXXX | $200.00 | XXXX | Monthly | 57.98% | 35.30% | 35.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 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 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23956.48 | 9.6 | 23956.48 | 9.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9246481 |  | 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 |  |  | 8.500% | 8.500% | $1914.59 | Yes | 18.000% | $6345.48 | $528.79 | $1620.96 | $135.08 | $0.00 | $0.00 | $0.00 | $2578.46 |  | N/A | XXXX |  | $0.00 | 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 | 0.95 | 1.029 | N/A | 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 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 | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43022.33 | 16.7 | 101140.50 | 39.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9217129 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.605% |  | 7.500% | 7.500% | $4670.75 | No |  | $12504.12 | $1042.01 | $1745.04 | $145.42 | $0.00 | $0.00 | $0.00 | $5858.18 | $12073.99 | N/A | XXXX |  | $0.00 | XXXX |  | 39.01% | 39.00% | 39.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 372185.06 | 63.5 | 372185.06 | 63.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217084 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.735% |  | 8.625% | 8.625% | $10459.77 | No |  | $19562.52 | $1630.21 | $2156.04 | $179.67 | $0.00 | $0.00 | $0.00 | $12269.65 | $23832.04 | N/A | XXXX |  | $0.00 | XXXX |  | 41.43% | 41.43% | 41.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 95066.18 | 7.7 | 119077.00 | 9.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217029 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1785.18 | No |  | $7212.24 | $601.02 | $1261.44 | $105.12 | $0.00 | $0.00 | $0.00 | $2491.32 | $37604.38 | N/A | XXXX |  | $0.00 | XXXX |  | 31.61% | 31.72% | 31.72% | 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 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 54752.95 | 22 | No | 72.63 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9217107 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/20/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.365% |  | 7.000% | 7.000% | $931.42 | No |  | $7898.04 | $658.17 | $3279.72 | $273.31 | $0.00 | $0.00 | $0.00 | $1862.90 | $5431.76 | N/A | XXXX |  | $0.00 | XXXX |  | 43.06% | 43.06% | 43.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 31778.97 | 17.1 | 31778.97 | 17.1 | No | 25.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217051 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.370% |  | 7.250% | 7.250% | $5559.74 | No |  | $3389.04 | $282.42 | $1812.00 | $151.00 | $996.00 | $83.00 | $0.00 | $6076.16 | $19072.52 | N/A | XXXX | XXXX | $83.00 | XXXX | Monthly | 26.40% | 26.40% | 26.40% | No | No |  |  |  |  |  |  | Self-Employed | 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 | 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 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47599.71 | 7.8 | 47599.71 | 7.8 | No | 77.62 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9217142 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/11/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.936% |  | 8.625% | 8.625% | $3111.16 | No |  | $1804.56 | $150.38 | $3392.04 | $282.67 | $0.00 | $0.00 | $0.00 | $3544.21 | $27733.63 | N/A | XXXX |  | $0.00 | XXXX |  | 14.06% | 16.92% | 16.92% | No |  |  |  |  |  |  |  | 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% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 260369.20 | 73.5 | 260369.20 | 73.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217140 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.945% |  | 7.875% | 7.875% | $3948.00 | No |  | $10637.52 | $886.46 | $1299.96 | $108.33 | $399.96 | $33.33 | $0.00 | $4976.12 | $11736.07 | N/A | XXXX | XXXX | $33.33 | XXXX | Annually | 39.96% | 40.43% | 40.43% | No | No |  |  |  |  |  |  | Self-Employed | Self-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 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% | 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 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32289.32 | 6.5 | 32289.32 | 6.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9218501 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 6.987% |  | 6.499% | 6.499% | $948.00 | No |  | $2096.52 | $174.71 | $789.00 | $65.75 | $1599.96 | $133.33 | $0.00 | $1321.79 | $1523.22 | N/A | XXXX | XXXX | $133.33 | XXXX | Annually | 47.35% | 47.35% | 47.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 58.89% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 147954.50 | 111.9 | 147954.50 | 111.9 | No | 55.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218292 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/08/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.568% |  | 8.375% | 8.375% | $10175.47 | No |  | $21278.76 | $1773.23 | $9873.96 | $822.83 | $1542.96 | $128.58 | $0.00 | $12900.11 | $34790.20 | N/A | XXXX | XXXX | $128.58 | XXXX | Annually | 33.53% | 31.74% | 31.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 91392.70 | 7.1 | 91392.70 | 7.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217113 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/21/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.378% |  | 7.125% | 7.125% | $2775.72 | No |  | $6072.36 | $506.03 | $1632.00 | $136.00 | $0.00 | $0.00 | $0.00 | $3417.75 | $194345.11 | N/A | XXXX |  | $0.00 | XXXX |  | 5.21% | 5.16% | 5.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 89314.84 | 26.1 | 89314.84 | 26.1 | No | 67.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217119 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $913.43 | No |  | $1001.76 | $83.48 | $1065.96 | $88.83 | $0.00 | $0.00 | $0.00 | $1085.74 | $21572.17 | N/A | XXXX |  | $0.00 | XXXX |  | 33.51% | 29.98% | 29.98% | Yes | Yes |  |  |  |  |  |  | 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% | 100.00% | 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 | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 80132.20 | 73.8 | No | 71.63 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9217085 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.669% |  | 8.375% | 8.375% | $3488.73 | No |  | $4119.96 | $343.33 | $5404.20 | $450.35 | $0.00 | $0.00 | $0.00 | $4282.41 | $12922.59 | N/A | XXXX |  | $0.00 | XXXX |  | 29.37% | 29.37% | 29.37% | 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% |  |  | Borrower Prepared | 5 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27287.55 | 6.4 | 27287.55 | 6.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9246509 |  | 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 |  |  | 7.750% | 7.750% | $3830.48 | Yes | 18.000% | $7717.08 | $643.09 | $2016.00 | $168.00 | $0.00 | $0.00 | $0.00 | $4641.57 |  | N/A | XXXX |  | $0.00 | 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 | 0.827 | 0.827 | N/A | 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 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 | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 142597.04 | 30.7 | 142597.04 | 30.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9246513 |  | 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% | $1972.07 | Yes | 18.000% | $2386.68 | $198.89 | $1755.96 | $146.33 | $0.00 | $0.00 | $0.00 | $2317.29 |  | N/A | XXXX |  | $0.00 | 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 | 0.863 | 0.863 | N/A | 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 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 | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9543.19 | 4.1 | 192039.98 | 82.9 | No | 62.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9218480 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.259% |  | 7.875% | 7.875% | $4634.64 | No |  | $9987.48 | $832.29 | $2286.36 | $190.53 | $5004.00 | $417.00 | $0.00 | $6074.46 | $9846.48 | Yes | XXXX | XXXX | $417.00 | XXXX | Monthly | 44.39% | 44.39% | 44.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 579958.63 | 95.5 | 579575.10 | 95.4 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217034 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.633% |  | 8.500% | 8.500% | $10394.41 | No |  | $17808.00 | $1484.00 | $1944.00 | $162.00 | $0.00 | $0.00 | $0.00 | $12040.41 | $72084.04 | N/A | XXXX |  | $0.00 | XXXX |  | 14.51% | 15.43% | 15.43% | No |  |  |  |  |  |  |  | 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% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40374.22 | 3.4 | 40374.22 | 3.4 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217091 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $4611.44 | No |  | $9030.24 | $752.52 | $2997.00 | $249.75 | $0.00 | $0.00 | $0.00 | $5613.71 | $59155.00 | N/A | XXXX |  | $0.00 | XXXX |  | 18.39% | 9.83% | 9.83% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 828 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 62770.58 | 11.2 | 62770.58 | 11.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9217048 |  | 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 | 7.875% | 7.875% | $2704.12 | No |  | $3068.76 | $255.73 | $1614.96 | $134.58 | $725.04 | $60.42 | $0.00 | $3154.85 |  | N/A | XXXX | XXXX | $60.42 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.014 | 1.014 | N/A | 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 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 | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19889.65 | 6.3 | 19889.65 | 6.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9239003 |  | 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 | 7.625% | 7.625% | $13210.97 | Yes | 18.000% | $45603.12 | $3800.26 | $7759.80 | $646.65 | $0.00 | $0.00 | $0.00 | $17657.88 |  | N/A | XXXX |  | $0.00 | 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 | 0.856 | 0.856 | N/A | 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 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 | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Identification Card | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 386895.56 | 21.9 | 444686.68 | 25.2 | No | 56.56 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9239116 |  | 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 | 7.990% | 7.990% | $7330.68 | Yes | 18.000% | $864.60 | $72.05 | $3810.00 | $317.50 | $0.00 | $0.00 | $0.00 | $7720.23 |  | N/A | XXXX |  | $0.00 | 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 | 0.971 | 0.971 | N/A | 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 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 | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 28635.09 | 3.7 | 207459.51 | 26.9 | No | 65.57 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9239102 |  | 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 |  |  | 7.750% | 7.750% | $2447.26 | Yes | 18.000% | $6768.00 | $564.00 | $2660.04 | $221.67 | $0.00 | $0.00 | $0.00 | $3232.93 |  | N/A | XXXX |  | $0.00 | 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 | 0.857 | 0.857 | N/A | 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 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 | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11388.66 | 3.5 | 256327.69 | 79.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9239147 |  | 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 |  |  | 6.750% | 6.750% | $1751.21 | Yes | 18.000% | $8526.60 | $710.55 | $2955.96 | $246.33 | $0.00 | $0.00 | $0.00 | $2708.09 |  | N/A | XXXX |  | $0.00 | 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% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.849 | 0.849 | N/A | 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 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 | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 550186.97 | 222.2 | 577550.90 | 233.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9218482 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/29/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 9.546% |  | 9.125% | 9.125% | $2898.57 | No |  | $1674.00 | $139.50 | $3232.44 | $269.37 | $0.00 | $0.00 | $0.00 | $3307.44 | $25712.62 | N/A | XXXX |  | $0.00 | XXXX |  | 20.90% | 20.90% | 20.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 630 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20492.82 | 6.2 | 124015.94 | 37.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9217068 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/21/2025 | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.453% |  | 7.250% | 7.250% | $5372.14 | No |  | $4848.60 | $404.05 | $2411.04 | $200.92 | $0.00 | $0.00 | $0.00 | $5977.11 | $8510.16 | N/A | XXXX |  | $0.00 | XXXX |  | 42.34% | 42.34% | 42.34% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 26.59% | 0.00% | 100.00% | 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 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESCorp - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 665538.45 | 111.4 | 665538.45 | 111.4 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9246548 |  | 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 |  |  | 7.500% | 7.500% | $2740.92 | Yes | 18.000% | $3330.12 | $277.51 | $1434.36 | $119.53 | $0.00 | $0.00 | $0.00 | $3137.96 |  | N/A | XXXX |  | $0.00 | 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 | 0.892 | 0.892 | N/A | 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 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 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 | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 34048.99 | 10.9 | 120718.44 | 38.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 9389082 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/29/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.040% |  | 6.625% | 6.625% | $2823.77 | No |  | $10711.92 | $892.66 | $6366.00 | $530.50 | $3336.00 | $278.00 | $0.00 | $4524.93 | $16285.59 | N/A | XXXX | XXXX | $278.00 | XXXX | Monthly | 22.58% | 22.54% | 22.54% | 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% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25841.86 | 5.7 | 25841.86 | 5.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389136 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/25/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.963% |  | 7.499% | 7.499% | $2149.87 | No |  | $5124.96 | $427.08 | $1597.08 | $133.09 | $0.00 | $0.00 | $0.00 | $2710.04 | $8691.00 | N/A | XXXX |  | $0.00 | XXXX |  | 41.70% | 41.70% | 41.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 59875.88 | 22.1 | 59875.88 | 22.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389070 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.809% |  | 6.499% | 6.499% | $2907.39 | No |  | $8014.20 | $667.85 | $1026.96 | $85.58 | $2057.04 | $171.42 | $0.00 | $3832.24 | $4929.45 | N/A | XXXX | XXXX | $171.42 | XXXX | Annually | 46.29% | 46.82% | 46.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13495.84 | 3.5 | 13495.84 | 3.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389158 |  | 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 |  |  | 6.999% | 6.999% | $7858.09 | No |  | $19687.56 | $1640.63 | $3585.96 | $298.83 | $0.00 | $0.00 | $0.00 | $9797.55 | $16640.38 | N/A | XXXX |  | $0.00 | XXXX |  | 39.92% | 39.92% | 39.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 660918.42 | 67.5 | 418386.74 | 42.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9389074 |  | 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 |  |  | 6.499% | 6.499% | $1042.80 | No |  | $1577.64 | $131.47 | $1536.00 | $128.00 | $0.00 | $0.00 | $0.00 | $1302.27 | $2978.17 | N/A | XXXX |  | $0.00 | XXXX |  | 46.27% | 46.27% | 46.27% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 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 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 43791.85 | 33.6 | No | 48.53 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9389117 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.084% |  | 7.750% | 7.750% | $4814.29 | No |  | $10659.60 | $888.30 | $3314.04 | $276.17 | $0.00 | $0.00 | $0.00 | $5978.76 | $8201.55 | N/A | XXXX |  | $0.00 | XXXX |  | 46.00% | 46.08% | 46.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 203930.93 | 34.1 | 37330.93 | 6.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389030 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/25/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.870% |  | 8.625% | 8.625% | $9255.70 | No |  | $5858.04 | $488.17 | $3866.04 | $322.17 | $2376.00 | $198.00 | $0.00 | $10264.04 | $41922.02 | N/A | XXXX | XXXX | $198.00 | XXXX | Monthly | 28.82% | 27.80% | 27.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 626 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25453.25 | 2.5 | 128933.60 | 12.6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389080 |  | 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 |  |  | 7.750% | 7.750% | $2206.55 | No |  | $1646.16 | $137.18 | $3495.96 | $291.33 | $0.00 | $0.00 | $0.00 | $2635.06 | $5306.14 | N/A | XXXX |  | $0.00 | XXXX |  | 21.20% | 21.45% | 21.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 251 | 31 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 27181.23 | 10.3 | 27181.23 | 10.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 9389150 |  | 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 |  |  | 6.999% | 6.999% | $2793.99 | No |  | $9457.56 | $788.13 | $1994.04 | $166.17 | $0.00 | $0.00 | $0.00 | $3748.29 | $26050.66 | N/A | XXXX |  | $0.00 | XXXX |  | 29.36% | 31.60% | 31.60% | 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 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37989.30 | 10.1 | 37989.30 | 10.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389031 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.415% |  | 7.125% | 7.125% | $5423.43 | No |  | $9924.12 | $827.01 | $3484.44 | $290.37 | $0.00 | $0.00 | $0.00 | $6540.81 | $16273.80 | N/A | XXXX |  | $0.00 | XXXX |  | 39.37% | 39.37% | 39.37% | 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 - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 127149.02 | 19.4 | 127149.02 | 19.4 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389249 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/03/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.393% |  | 7.125% | 7.125% | $2470.86 | No |  | $6112.56 | $509.38 | $1217.40 | $101.45 | $4428.00 | $369.00 | $0.00 | $3450.69 | $15397.78 | Yes | XXXX | XXXX | $369.00 | XXXX | Monthly | 13.22% | 18.42% | 18.42% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 50 | 32 | FNMA 1005 NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 110080.51 | 31.9 | 110080.51 | 31.9 | No | 75 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9389053 |  | 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 |  |  | 8.999% | 8.999% | $1206.83 | No |  | $4063.32 | $338.61 | $1268.04 | $105.67 | $0.00 | $0.00 | $0.00 | $1651.11 | $15447.04 | N/A | XXXX |  | $0.00 | XXXX |  | 42.70% | 42.70% | 42.70% | 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 |  | N/A | 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), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 653 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 139943.03 | 84.8 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 9389029 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/02/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.009% |  | 6.625% | 6.625% | $3841.87 | No |  | $13902.12 | $1158.51 | $12873.00 | $1072.75 | $0.00 | $0.00 | $0.00 | $6073.13 | $9263.18 | N/A | XXXX |  | $0.00 | XXXX |  | 40.21% | 39.93% | 39.93% | 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% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 705213.90 | 116.1 | 55213.90 | 9.1 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9389185 |  | 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 |  |  | 6.875% | 6.875% | $1412.40 | No |  | $6101.76 | $508.48 | $3891.96 | $324.33 | $0.00 | $0.00 | $0.00 | $2245.21 | $10805.16 | N/A | XXXX |  | $0.00 | XXXX |  | 32.79% | 15.57% | 15.57% | Yes | Yes | 4 - Verified 2+ Mos |  |  |  |  |  | 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 - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37054.27 | 16.5 | 232049.26 | 103.4 | No | 63.24 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9389078 |  | 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 |  |  | 6.625% | 6.625% | $5282.57 | No |  | $15000.00 | $1250.00 | $3928.44 | $327.37 | $0.00 | $0.00 | $0.00 | $6859.94 | $17515.14 | N/A | XXXX |  | $0.00 | XXXX |  | 43.14% | 43.14% | 43.14% | 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% |  | 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 |  | No | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 526755.35 | 76.8 | 526755.35 | 76.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9389058 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/27/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.039% |  | 6.750% | 6.750% | $972.90 | No |  | $11030.16 | $919.18 | $1077.12 | $89.76 | $0.00 | $0.00 | $0.00 | $1981.84 | $4548.91 | N/A | XXXX |  | $0.00 | XXXX |  | 32.94% | 32.94% | 32.94% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 100.00% |  | 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 | No | 0 |  |  | Borrower - 2025 - 2025 \|\| Co Borrower - Asset Depletion | Borrower - 2025 - 2025 \|\| Co Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 436807.65 | 220.4 | 436807.65 | 220.4 | No | 23.81 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 9389142 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/29/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.969% |  | 7.499% | 7.499% | $3376.88 | No |  | $8625.00 | $718.75 | $493.20 | $41.10 | $8736.00 | $728.00 | $0.00 | $4864.73 | $7542.13 | Yes | XXXX | XXXX | $728.00 | XXXX | Monthly | 49.62% | 49.84% | 49.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | XXXX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 165985.92 | 34.1 | 165985.92 | 34.1 | No | 70 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 9218397 |  | 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 |  |  | 7.999% | 7.999% | $3917.93 | No |  | $6772.80 | $564.40 | $5414.52 | $451.21 | $0.00 | $0.00 | $0.00 | $4933.54 | $10924.46 | N/A | XXXX |  | $0.00 | XXXX |  | 29.86% | 29.86% | 29.86% | 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 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 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 of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 97893.87 | 19.8 | 97893.87 | 19.8 | No | 79.7 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |

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